Sarasota, FL · Cert 35144
FDIC
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 1.06% | 1.45% | 1.45% | 1.43% | 1.46% | 1.26% | 1.41% | -4 bps | |
| Return on Equity | 12.62% | 12.42% | 16.10% | 16.20% | 15.99% | 16.15% | 13.60% | 15.04% | -116 bps | |
| Net Interest Margin | 3.54% | 3.58% | 3.97% | 3.75% | 3.60% | 3.37% | 3.26% | 3.36% | -39 bps | |
| Efficiency Ratio | 53.01% | 53.96% | 43.17% | 41.66% | 41.33% | 42.89% | 45.14% | 44.28% | +262 bps | |
| Non-Interest Burden | 1.70% | 1.76% | 1.41% | 1.31% | 1.25% | 1.23% | 1.28% | 1.30% | -2 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 | -0.02% | -0.02% | 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 |