Aventura, FL · Cert 34564
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.42% | -3.66% | -7.72% | 16.64% | 5.09% | +166 bps | |
| Return on Equity | 4.12% | -4.47% | -9.24% | 22.00% | 7.52% | +340 bps | |
| Net Interest Margin | 0.50% | 0.52% | 0.47% | -1.07% | 0.78% | +28 bps | |
| Efficiency Ratio | 95.04% | 107.17% | 116.66% | 93.65% | 85.80% | -924 bps | |
| Non-Interest Burden | -1.90% | 5.89% | 11.10% | -30.14% | -7.27% | -536 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 |