Santa Rosa Beach, FL · Cert 26979
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 | 1.54% | 1.46% | 1.22% | 0.59% | 0.45% | 0.49% | 0.02% | -0.57% | -117 bps | |
| Return on Equity | 10.69% | 9.97% | 8.19% | 3.95% | 2.99% | 3.23% | 0.11% | -3.42% | -737 bps | |
| Net Interest Margin | 4.42% | 4.45% | 4.42% | 3.32% | 3.32% | 3.56% | 3.57% | 2.94% | -39 bps | |
| Efficiency Ratio | 46.67% | 48.30% | 50.92% | 63.60% | 62.86% | 63.71% | 65.89% | 72.77% | +917 bps | |
| Non-Interest Burden | 1.92% | 1.99% | 2.11% | 2.06% | 2.02% | 2.20% | 2.33% | 2.14% | +8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | -0.08% | -7.72% | 2.79% | 1.39% | -1.27% | -5.07% | -15.20% | -1,799 bps | |
| Loan Growth (YoY) | 5.26% | -2.19% | -12.71% | -8.23% | -11.98% | -7.37% | -4.22% | -11.63% | -339 bps | |
| Deposit Growth (YoY) | -5.61% | -7.86% | 2.70% | 25.46% | 12.53% | -6.16% | -16.14% | -33.53% | -5,899 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% | 0.14% | 0.16% | 0.02% | 0.54% | 0.50% | 1.63% | 1.78% | +175 bps | |
| Allowance / Loans | 1.42% | 1.45% | 1.76% | 1.79% | 1.95% | 2.00% | 1.84% | 1.99% | +20 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 | 11.80% | 12.49% | 13.03% | 12.66% | 13.54% | 13.93% | 13.84% | 13.66% | +100 bps | |
| Equity / Assets | 14.66% | 15.52% | 15.93% | 14.22% | 14.88% | 16.28% | 16.87% | 16.58% | +235 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 122.99% | 119.25% | 109.40% | 98.18% | 96.21% | 117.71% | 124.95% | 130.54% | +3,235 bps | |
| Liquid Assets / Assets | 0.21% | 0.28% | 2.62% | 2.62% | 4.30% | 5.02% | 1.02% | 1.36% | -126 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |