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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.23% | -3.66% | -5.65% | 1.20% | 2.10% | -13 bps | |
| Return on Equity | 2.60% | -4.47% | -6.82% | 1.52% | 2.72% | +12 bps | |
| Net Interest Margin | 0.40% | 0.52% | 0.50% | 0.10% | 0.26% | -15 bps | |
| Efficiency Ratio | 94.76% | 107.17% | 111.75% | 87.87% | 86.84% | -792 bps | |
| Non-Interest Burden | -2.02% | 5.89% | 8.53% | -2.29% | -3.27% | -125 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 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 |
| Deposit Growth (YoY) | 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 |
| Net Charge-Offs / Loans | 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 |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 58.98% | 39.55% | 36.90% | 84.10% | 107.49% | +4,851 bps | |
| Equity / Assets | 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 |
| Liquid Assets / Assets | 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 |