Melbourne, FL · Cert 34258
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 | 1.58% | 1.61% | 0.60% | 0.89% | 0.79% | 0.53% | 0.23% | 0.40% | -49 bps | |
| Return on Equity | 16.06% | 15.86% | 5.85% | 5.21% | 4.12% | 2.63% | 1.09% | 1.66% | -355 bps | |
| Net Interest Margin | 4.37% | 4.53% | 4.54% | 3.56% | 3.51% | 3.51% | 3.73% | 3.44% | -12 bps | |
| Efficiency Ratio | 43.03% | 42.80% | 78.52% | 50.82% | 49.13% | 49.52% | 48.01% | 50.80% | -2 bps | |
| Non-Interest Burden | 1.81% | 1.86% | 3.53% | 2.05% | 1.95% | 1.98% | 2.08% | 1.97% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.15% | 1.98% | -9.45% | 5.50% | 7.61% | 8.97% | 8.58% | -4.19% | -969 bps | |
| Loan Growth (YoY) | 12.94% | -2.98% | -10.28% | -19.61% | -14.18% | -0.20% | 4.06% | 1.74% | +2,135 bps | |
| Deposit Growth (YoY) | -3.93% | -2.28% | -11.25% | -9.31% | -7.21% | -6.51% | -8.77% | -4.54% | +477 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% | -0.01% | 0.00% | 0.00% | 0.07% | 0.53% | 0.59% | 3.22% | +322 bps | |
| Allowance / Loans | 1.72% | 1.98% | 2.04% | 2.17% | 2.23% | 2.38% | 3.11% | 2.82% | +65 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 | 13.34% | 15.36% | 14.46% | 15.36% | 14.73% | 14.66% | 15.64% | 16.14% | +78 bps | |
| Equity / Assets | 10.50% | 11.10% | 10.71% | 22.38% | 23.19% | 23.27% | 24.42% | 23.68% | +131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 105.45% | 92.54% | 95.02% | 88.21% | 97.54% | 98.78% | 108.38% | 94.01% | +580 bps | |
| Liquid Assets / Assets | 0.32% | 0.35% | 0.36% | 0.35% | 0.35% | 0.37% | 0.37% | 0.18% | -17 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |