Vero Beach, FL · Cert 26018
FDIC
Q1 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.24% | 1.24% | 1.24% | 1.11% | 1.13% | 1.01% | 0.77% | 0.50% | -62 bps | |
| Return on Equity | 15.18% | 15.22% | 15.48% | 14.94% | 15.10% | 13.38% | 10.09% | 5.97% | -897 bps | |
| Net Interest Margin | 3.60% | 3.54% | 3.48% | 3.32% | 3.33% | 3.30% | 3.28% | 1.45% | -187 bps | |
| Efficiency Ratio | 47.19% | 47.83% | 47.99% | 52.06% | 52.45% | 52.74% | 54.28% | 54.88% | +282 bps | |
| Non-Interest Burden | 1.38% | 1.43% | 1.44% | 1.60% | 1.59% | 1.59% | 1.64% | 0.68% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.67% | 1.33% | 5.95% | 4.28% | 1.31% | 1.26% | -4.45% | -13.43% | -1,771 bps | |
| Loan Growth (YoY) | 15.34% | 7.09% | 12.04% | 11.18% | 7.95% | 4.92% | -0.22% | -7.22% | -1,839 bps | |
| Deposit Growth (YoY) | -2.02% | -3.93% | 7.47% | 1.87% | 4.70% | 4.86% | -2.67% | 2.07% | +20 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.13% | 0.37% | 2.78% | +276 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.19% | 1.21% | 1.20% | 1.34% | 1.68% | 1.04% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.43% | 13.27% | 11.72% | 11.63% | 11.66% | 11.85% | 11.82% | 10.47% | -116 bps | |
| Equity / Assets | 8.19% | 8.29% | 7.43% | 7.45% | 7.67% | 7.70% | 7.76% | 8.88% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.36% | 89.85% | 80.83% | 88.21% | 90.07% | 89.90% | 82.87% | 80.18% | -803 bps | |
| Liquid Assets / Assets | 21.27% | 20.91% | 20.89% | 19.97% | 19.90% | 20.56% | 20.35% | 0.40% | -1,957 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |