Aventura, FL · Cert 34564
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.
Aventura, FL · Cert 34564
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 | 0.60% | 2.18% | 1.79% | 2.23% | -3.66% | -5.65% | 1.20% | 2.10% | -13 bps | |
| Return on Equity | 0.69% | 2.49% | 2.05% | 2.60% | -4.47% | -6.82% | 1.52% | 2.72% | +12 bps | |
| Net Interest Margin | 0.40% | 0.46% | 0.41% | 0.40% | 0.52% | 0.50% | 0.10% | 0.26% | -15 bps | |
| Efficiency Ratio | 97.07% | 93.88% | 94.66% | 94.76% | 107.17% | 111.75% | 87.87% | 86.84% | -792 bps | |
| Non-Interest Burden | -0.55% | -2.62% | -2.29% | -2.02% | 5.89% | 8.53% | -2.29% | -3.27% | -125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.26% | 14.41% | 27.92% | 19.14% | 10.42% | 7.16% | -17.32% | -5.01% | -2,414 bps | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 68.87% | 66.74% | 60.40% | 58.98% | 39.55% | 36.90% | 84.10% | 107.49% | +4,851 bps | |
| Equity / Assets | 85.72% | 88.87% | 84.87% | 81.45% | 82.23% | 84.93% | 64.95% | 69.89% | -1,156 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 7.33% | 0.00% | 6.96% | 10.24% | 5.00% | 0.87% | 5.36% | 15.13% | +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 |