Vero Beach, FL · Cert 32918
FDIC
Q2 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | 0.78% | -0.23% | 1.28% | -0.26% | -0.20% | -0.69% | -1.41% | -269 bps | |
| Return on Equity | -4.42% | 5.32% | -1.55% | 8.43% | -1.65% | -1.26% | -4.31% | -9.13% | -1,756 bps | |
| Net Interest Margin | 3.26% | 3.99% | 3.76% | 4.15% | 3.47% | 3.85% | 3.40% | 3.32% | -83 bps | |
| Efficiency Ratio | 114.58% | 96.78% | 103.17% | 93.81% | 108.95% | 106.76% | 117.38% | 122.50% | +2,869 bps | |
| Non-Interest Burden | 3.77% | 3.85% | 3.88% | 3.88% | 3.80% | 4.12% | 4.03% | 4.10% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.37% | -5.99% | -6.18% | -3.46% | -5.73% | -7.93% | -10.45% | -10.63% | -717 bps | |
| Loan Growth (YoY) | 18.88% | 7.00% | 9.21% | 3.80% | -15.38% | -3.72% | -7.83% | -0.75% | -455 bps | |
| Deposit Growth (YoY) | -19.21% | -13.85% | -4.43% | -3.33% | -5.18% | -1.25% | -11.12% | -8.13% | -480 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% | -0.01% | 0.00% | 0.01% | 0.00% | 0.18% | 0.27% | 1.51% | +151 bps | |
| Allowance / Loans | 2.26% | 2.18% | 2.32% | 1.99% | 2.06% | 1.94% | 4.47% | 4.26% | +227 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 | 23.06% | 24.96% | 23.71% | 24.11% | 23.87% | 23.20% | 20.54% | 22.88% | -122 bps | |
| Equity / Assets | 14.74% | 14.66% | 15.01% | 15.30% | 16.15% | 16.29% | 15.65% | 15.31% | +1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.13% | 70.67% | 68.36% | 68.15% | 67.95% | 68.90% | 70.90% | 73.63% | +548 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.05% | 0.05% | 0.06% | 0.06% | 0.09% | 0.09% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |