Orlando, FL · Cert 27515
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.42% | 0.87% | 0.84% | 0.99% | 0.94% | 0.67% | 0.84% | -1 bps | |
| Return on Equity | 5.12% | 3.02% | 6.13% | 5.93% | 6.79% | 6.17% | 4.33% | 5.56% | -37 bps | |
| Net Interest Margin | 2.85% | 3.04% | 2.99% | 2.95% | 2.99% | 2.95% | 2.88% | 2.89% | -6 bps | |
| Efficiency Ratio | 59.89% | 60.75% | 59.93% | 61.22% | 54.18% | 60.34% | 63.17% | 57.43% | -378 bps | |
| Non-Interest Burden | 1.55% | 1.65% | 1.59% | 1.69% | 1.35% | 1.51% | 1.57% | 1.36% | -34 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.65% | 16.92% | 6.57% | 1.67% | -2.52% | -1.15% | -1.64% | -2.47% | -414 bps | |
| Loan Growth (YoY) | 20.34% | 21.13% | 20.51% | 3.43% | 1.26% | 1.07% | -0.14% | 6.60% | +317 bps | |
| Deposit Growth (YoY) | 17.78% | 19.79% | 13.74% | 0.35% | -0.58% | 2.00% | 5.02% | 2.25% | +191 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 | 0.18% | 0.21% | 0.05% | 0.40% | 0.12% | 0.34% | 0.44% | 0.18% | -22 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.12% | 1.05% | 1.07% | 1.07% | 1.06% | 1.09% | +4 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 | 10.67% | 10.67% | 10.86% | 10.97% | 11.81% | 12.03% | 12.30% | 11.42% | +46 bps | |
| Equity / Assets | 13.94% | 14.18% | 14.24% | 14.13% | 15.14% | 15.29% | 15.50% | 14.59% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.20% | 106.13% | 109.98% | 105.79% | 106.13% | 105.17% | 104.58% | 110.28% | +449 bps | |
| Liquid Assets / Assets | 0.19% | 0.25% | 0.16% | 0.13% | 0.01% | 0.02% | 0.05% | 0.01% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |