Bradenton, FL · Cert 35397
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Bradenton, FL · Cert 35397
FDIC
Q3 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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -0.22% | -0.35% | -0.54% | -2.74% | -1.09% | -5.23% | -6.07% | -553 bps | |
| Return on Equity | -1.63% | -2.89% | -4.56% | -7.13% | -38.10% | -17.69% | -91.05% | -116.18% | -10,905 bps | |
| Net Interest Margin | 2.50% | 2.85% | 2.77% | 2.57% | 2.37% | 1.95% | 1.53% | 1.47% | -110 bps | |
| Efficiency Ratio | 93.86% | 107.65% | 113.20% | 122.80% | 125.37% | 143.86% | 179.73% | 206% | +8,300 bps | |
| Non-Interest Burden | 2.32% | 3.10% | 3.18% | 3.24% | 3.06% | 2.94% | 2.98% | 3.35% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.08% | 37.31% | 33.42% | 39.96% | 30.79% | 43.36% | 18.77% | -1.71% | -4,166 bps | |
| Loan Growth (YoY) | 31.06% | 31.88% | 33.01% | 44.90% | 49.31% | 37.92% | 20.42% | 5.56% | -3,935 bps | |
| Deposit Growth (YoY) | 44.53% | 45.26% | 38.84% | 42.34% | 29.20% | 46.23% | 24.28% | 7.56% | -3,479 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 | 0.40% | 0.01% | 0.00% | 0.00% | 0.00% | 0.21% | 0.42% | 0.61% | +62 bps | |
| Allowance / Loans | 0.80% | 0.76% | 0.71% | 0.70% | 4.37% | 4.52% | 4.59% | 6.16% | +546 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 | 12.71% | 11.86% | 11.86% | 11.50% | 6.08% | 8.07% | 7.46% | 5.56% | -593 bps | |
| Equity / Assets | 7.90% | 7.39% | 7.54% | 7.59% | 5.83% | 6.48% | 4.85% | 3.41% | -417 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.16% | 84.74% | 88.01% | 91.01% | 94.95% | 79.92% | 85.27% | 89.32% | -169 bps | |
| Liquid Assets / Assets | 1.82% | 0.00% | 0.05% | 0.10% | 0.06% | 0.00% | 1.45% | 0.06% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |