PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bankers Trust Florida, N.A.

Palm Beach, FL · Cert 23592

FDIC

Q4 2007

$21.7MAssets
n/aLoans
n/aDeposits
$15.4MEquity

Executive Summary

  • Earnings: ROA of 6.08%, up 48 bps year over year; NIM at 3.48%.

Return on Assets (quarter, annualized)

6.08%+48 bps YoY

Net Interest Margin (quarter, annualized)

3.48%-71 bps YoY

Efficiency Ratio (quarter, annualized)

61.15%-260 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

2.33%Q4 ’054.19%Q4 ’063.48%Q4 ’07+80%-17%

Non-interest income vs. expense

24.78%Q4 ’0520.24%Q4 ’0620.74%Q4 ’07-371%-33%

Discrete quarter, annualized.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.61%-1.92%8.24%5.60%7.61%3.24%-0.82%6.08%+48 bps
Return on Equity2.11%-2.45%10.64%7.34%9.78%4.09%-1.08%8.39%+105 bps
Net Interest Margin3.20%4.09%4.29%4.19%3.21%3.28%4.32%3.48%-71 bps
Efficiency Ratio88.06%112.04%43.52%63.74%45.78%77.03%113.21%61.15%-260 bps
Non-Interest Burden0.19%7.43%-12.73%-7.32%-9.93%-3.07%8.18%-9.70%-238 bps
Growth
Asset Growth (YoY)15.25%4.86%1.44%1.55%5.04%7.44%9.83%11.61%+1,005 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital276%241%197.14%217%229%310%224%153.31%-6,405 bps
Equity / Assets79.30%77.49%77.29%75.30%80.43%78.10%74.00%71.12%-418 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets44.99%48.22%39.66%48.05%34.64%59.88%51.89%66.01%+1,796 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a