Sarasota, FL · Cert 35144
FDIC
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.20% | 1.06% | 1.45% | 1.41% | 1.40% | 1.51% | 1.26% | 1.55% | +14 bps | |
| Return on Equity | 14.27% | 11.53% | 16.10% | 16.28% | 15.83% | 16.52% | 13.60% | 16.53% | +25 bps | |
| Net Interest Margin | 3.99% | 3.94% | 3.97% | 3.81% | 3.56% | 3.31% | 3.26% | 3.40% | -41 bps | |
| Efficiency Ratio | 50.38% | 56.49% | 43.17% | 40.14% | 40.66% | 47.65% | 45.14% | 43.43% | +329 bps | |
| Non-Interest Burden | 1.81% | 2.05% | 1.41% | 1.32% | 1.21% | 1.38% | 1.28% | 1.29% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.05% | 32.66% | 38.42% | 17.42% | 20.67% | 24.48% | 10.18% | 8.59% | -883 bps | |
| Loan Growth (YoY) | 35.76% | 31.51% | 30.26% | 19.95% | 17.61% | 14.41% | 8.97% | 5.10% | -1,485 bps | |
| Deposit Growth (YoY) | 28.84% | 24.45% | 30.03% | 10.90% | 20.45% | 23.97% | 11.80% | 4.12% | -678 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Allowance / Loans | 1.18% | 1.20% | 1.13% | 1.17% | 1.17% | 1.21% | 1.17% | 1.10% | -6 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 | 10.98% | 12.13% | 10.42% | 10.74% | 11.30% | 12.02% | 11.30% | 11.87% | +113 bps | |
| Equity / Assets | 8.92% | 9.55% | 8.57% | 8.80% | 8.87% | 9.39% | 9.17% | 9.58% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.84% | 109.02% | 105.43% | 106.87% | 98.46% | 100.61% | 102.76% | 107.88% | +100 bps | |
| Liquid Assets / Assets | 2.33% | 3.00% | 3.04% | 2.98% | 3.55% | 5.74% | 5.48% | 5.59% | +260 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |