Gainesville, FL · Cert 34946
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 | 0.74% | 0.78% | 0.78% | 0.66% | 0.66% | 0.69% | 0.70% | 0.39% | -27 bps | |
| Return on Equity | 4.59% | 4.90% | 5.00% | 4.45% | 4.45% | 4.63% | 4.71% | 2.47% | -198 bps | |
| Net Interest Margin | 3.46% | 3.31% | 3.23% | 3.04% | 2.95% | 2.93% | 3.03% | 1.34% | -170 bps | |
| Efficiency Ratio | 63.66% | 63.37% | 62.23% | 64.29% | 65.49% | 65.29% | 64.17% | 59.33% | -496 bps | |
| Non-Interest Burden | 2.11% | 1.99% | 1.90% | 1.84% | 1.85% | 1.81% | 1.84% | 0.73% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 14.16% | 12.63% | 15.74% | 10.51% | 4.98% | 0.52% | -2.49% | -1,823 bps | |
| Loan Growth (YoY) | 18.46% | 19.51% | 19.66% | 22.97% | 8.71% | 6.25% | 2.12% | -1.75% | -2,472 bps | |
| Deposit Growth (YoY) | 7.36% | 5.12% | 7.13% | 10.58% | 17.78% | 14.32% | -2.51% | -12.52% | -2,310 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% | -0.02% | -0.02% | 0.01% | 0.00% | 0.00% | 0.00% | 0.59% | +59 bps | |
| Allowance / Loans | 1.25% | 1.21% | 1.21% | 1.20% | 1.27% | 1.25% | 1.23% | 1.08% | -12 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 | 11.46% | 11.15% | 10.58% | 10.24% | 10.97% | 10.69% | 10.87% | 10.65% | +41 bps | |
| Equity / Assets | 15.78% | 14.98% | 15.13% | 14.56% | 14.82% | 14.75% | 15.61% | 15.63% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.39% | 100.22% | 104.86% | 101.33% | 91.73% | 93.15% | 109.83% | 113.80% | +1,248 bps | |
| Liquid Assets / Assets | 0.19% | 0.52% | 0.50% | 0.58% | 0.80% | 0.77% | 0.80% | 0.38% | -20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |