Orlando, FL · Cert 35208
FDIC
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Orlando, FL · Cert 35208
FDIC
Q3 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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 6.62% | 3.80% | 5.74% | 5.73% | 5.90% | 3.53% | 5.29% | 5.07% | -66 bps | |
| Return on Equity | 16.24% | 8.81% | 13.35% | 13.15% | 13.37% | 7.21% | 10.71% | 9.82% | -334 bps | |
| Net Interest Margin | 1.59% | 1.95% | 2.08% | 2.00% | 2.05% | 2.34% | 2.31% | 2.29% | +29 bps | |
| Efficiency Ratio | 65.92% | 76.25% | 69.77% | 69.43% | 68.41% | 78.21% | 69.88% | 70.21% | +78 bps | |
| Non-Interest Burden | -8.86% | -4.20% | -7.08% | -7.37% | -7.65% | -3.49% | -6.55% | -6.22% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -36.76% | -29.47% | -31.68% | -30.54% | -40.52% | -0.15% | -42.90% | -46.70% | -1,615 bps | |
| Loan Growth (YoY) | 69.87% | 23.86% | -1.27% | -38.10% | -39.16% | -37.01% | -45.45% | -60.27% | -2,217 bps | |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 0.07% | 0.10% | 0.78% | 1.33% | 0.99% | -0.07% | 0.24% | 0.23% | -110 bps | |
| Allowance / Loans | n/a | n/a | n/a | 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 | 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 | 93.61% | 103.82% | 103.39% | 113.03% | 121.51% | 136.15% | 141.82% | 169.90% | +5,687 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |