Bradenton, FL · Cert 35397
FDIC
Q3 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | -0.22% | -0.47% | -0.90% | -8.49% | -1.09% | -9.09% | -7.77% | -688 bps | |
| Return on Equity | 1.71% | -2.89% | -6.25% | -11.84% | -127.08% | -17.69% | -159.11% | -186.42% | -17,459 bps | |
| Net Interest Margin | 2.82% | 2.85% | 2.83% | 2.67% | 2.39% | 1.95% | 1.14% | 0.97% | -170 bps | |
| Efficiency Ratio | 95.31% | 107.65% | 118.54% | 141.09% | 132.95% | 143.86% | 237% | 293% | +15,238 bps | |
| Non-Interest Burden | 2.67% | 3.10% | 3.42% | 3.91% | 3.29% | 2.94% | 3.06% | 3.33% | -57 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 | -0.03% | 0.01% | 0.00% | -0.02% | 0.03% | 0.21% | 0.61% | 0.98% | +100 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 |