Fort Lauderdale, FL · Cert 26903
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Lauderdale, FL · Cert 26903
FDIC
Q4 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.48% | 1.51% | 1.51% | 1.72% | 1.66% | 1.63% | 1.21% | -30 bps | |
| Return on Equity | 13.28% | 13.79% | 14.11% | 14.02% | 15.23% | 14.63% | 14.03% | 10.18% | -384 bps | |
| Net Interest Margin | 5.91% | 5.72% | 5.56% | 5.55% | 5.89% | 5.52% | 5.52% | 5.40% | -15 bps | |
| Efficiency Ratio | 58.75% | 57.99% | 57.17% | 57.56% | 54.89% | 54.91% | 55.19% | 56.74% | -83 bps | |
| Non-Interest Burden | 3.29% | 3.13% | 2.97% | 2.99% | 2.99% | 2.81% | 2.83% | 2.86% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.76% | 11.31% | 15.77% | 18.05% | 9.89% | 3.09% | -3.05% | -5.69% | -2,375 bps | |
| Loan Growth (YoY) | 16.67% | 14.51% | 24.50% | 20.09% | 15.50% | 11.18% | 3.97% | 4.38% | -1,570 bps | |
| Deposit Growth (YoY) | -2.86% | -3.05% | 8.47% | 14.82% | 12.22% | 10.82% | -10.16% | -11.01% | -2,583 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% | 0.07% | 0.01% | -0.01% | 0.00% | 0.00% | -7 bps | |
| Allowance / Loans | 1.31% | 1.28% | 1.26% | 1.29% | 1.29% | 1.27% | 1.26% | 1.91% | +62 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 | 14.76% | 14.26% | 13.95% | 14.75% | 15.05% | 15.17% | 15.77% | 15.81% | +106 bps | |
| Equity / Assets | 10.97% | 10.37% | 10.50% | 11.16% | 11.44% | 11.53% | 12.36% | 12.95% | +180 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.23% | 104.42% | 102.64% | 104.10% | 106.25% | 104.75% | 118.78% | 122.10% | +1,800 bps | |
| Liquid Assets / Assets | 7.41% | 6.12% | 6.57% | 6.97% | 6.80% | 7.65% | 6.55% | 4.06% | -292 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |