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 3.99%, up 60 bps year over year; NIM at 3.74%.

Return on Assets (YTD, annualized)

3.99%+60 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-30 bps YoY

Efficiency Ratio (YTD, annualized)

74.88%-133 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.90%Q4 ’054.04%Q4 ’063.74%Q4 ’07+113%-7%

Non-interest income vs. expense

17.06%Q4 ’0522.50%Q4 ’0622.49%Q4 ’07+17%-28%

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.61%-0.13%2.65%3.40%7.61%5.39%3.26%3.99%+60 bps
Return on Equity2.11%-0.17%3.45%4.44%9.78%6.92%4.23%5.28%+84 bps
Net Interest Margin3.20%3.84%4.12%4.04%3.21%3.36%3.62%3.74%-30 bps
Efficiency Ratio88.06%99.91%80.80%76.21%45.78%61.87%80.29%74.88%-133 bps
Non-Interest Burden0.19%3.82%-1.58%-2.98%-9.93%-6.86%-1.73%-3.80%-82 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