Brooksville, FL · Cert 27135
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.
Brooksville, FL · Cert 27135
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 | 1.64% | 1.63% | 1.66% | 1.62% | 1.09% | 1.03% | 0.94% | 0.87% | -75 bps | |
| Return on Equity | 27.83% | 26.61% | 26.17% | 25.34% | 16.34% | 15.38% | 14.02% | 13.03% | -1,231 bps | |
| Net Interest Margin | 4.37% | 4.55% | 4.80% | 4.85% | 4.13% | 4.04% | 3.92% | 3.86% | -100 bps | |
| Efficiency Ratio | 68.99% | 70.13% | 69.84% | 70.46% | 79.15% | 80.28% | 81.62% | 82.58% | +1,213 bps | |
| Non-Interest Burden | 2.71% | 2.88% | 3.00% | 3.06% | 3.02% | 3.01% | 2.99% | 2.98% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.23% | -5.58% | -10.23% | -16.49% | -10.34% | -5.52% | 0.19% | 2.54% | +1,903 bps | |
| Loan Growth (YoY) | 12.98% | 8.99% | -3.36% | -4.60% | -7.38% | -10.01% | -5.69% | -7.80% | -320 bps | |
| Deposit Growth (YoY) | 12.30% | -5.58% | -11.05% | -20.65% | -14.49% | -9.40% | -3.30% | 2.83% | +2,348 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 | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.50% | 0.51% | 0.55% | 0.55% | 0.56% | 0.58% | 0.59% | 0.60% | +5 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 | 11.97% | 12.05% | 12.67% | 11.66% | 12.04% | 12.39% | 12.61% | 12.36% | +70 bps | |
| Equity / Assets | 6.23% | 6.62% | 7.06% | 6.58% | 6.72% | 6.71% | 6.76% | 6.65% | +7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.88% | 91.30% | 90.51% | 95.62% | 91.94% | 90.69% | 88.27% | 85.73% | -989 bps | |
| Liquid Assets / Assets | 4.25% | 1.79% | 0.50% | 1.86% | 4.34% | 6.12% | 7.03% | 6.75% | +489 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |