Mount Dora, FL · Cert 34954
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 | 0.57% | 0.91% | 1.07% | 1.27% | 1.92% | 1.61% | 1.27% | 0.42% | -86 bps | |
| Return on Equity | 6.28% | 9.62% | 11.04% | 12.25% | 18.81% | 15.80% | 12.46% | 3.87% | -839 bps | |
| Net Interest Margin | 2.28% | 3.02% | 3.37% | 4.21% | 3.97% | 4.04% | 3.90% | 1.33% | -288 bps | |
| Efficiency Ratio | 41.67% | 40.80% | 40.66% | 44.29% | 45.24% | 46.29% | 45.75% | 53.61% | +932 bps | |
| Non-Interest Burden | 1.11% | 1.44% | 1.60% | 2.04% | 1.77% | 1.86% | 1.74% | 0.65% | -139 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.03% | 57.12% | 32.71% | 23.97% | 78.49% | 82.49% | 75.80% | 56.69% | +3,272 bps | |
| Loan Growth (YoY) | 84.07% | 62.60% | 33.22% | 24.13% | 72.89% | 73.56% | 76.77% | 51.94% | +2,781 bps | |
| Deposit Growth (YoY) | 102.24% | 71.37% | 48.17% | 22.85% | 73.82% | 73.31% | 65.19% | 43.48% | +2,063 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% | 0.00% | 0.00% | 0.05% | 0.03% | 0.06% | 0.20% | 4.34% | +429 bps | |
| Allowance / Loans | 1.32% | 1.35% | 1.36% | 1.34% | 1.27% | 1.31% | 1.56% | 0.60% | -75 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 | 10.01% | 10.10% | 10.48% | 10.57% | 11.55% | 11.59% | 11.65% | 7.03% | -354 bps | |
| Equity / Assets | 9.72% | 10.28% | 10.40% | 10.37% | 9.98% | 10.12% | 10.29% | 11.32% | +95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.14% | 107.15% | 102.34% | 101.49% | 101.59% | 107.30% | 109.51% | 107.47% | +599 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.00% | 0.02% | 1.19% | 1.13% | 1.09% | 0.03% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |