Leesburg, FL · Cert 57334
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.
Leesburg, FL · Cert 57334
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 | -0.02% | 0.36% | 0.44% | 0.54% | 0.55% | 0.29% | 0.24% | 0.20% | -34 bps | |
| Return on Equity | -0.13% | 2.37% | 2.78% | 3.33% | 3.43% | 1.76% | 1.49% | 1.22% | -211 bps | |
| Net Interest Margin | 3.13% | 3.79% | 2.25% | 2.82% | 3.07% | 3.53% | 3.37% | 3.40% | +58 bps | |
| Efficiency Ratio | 87.00% | 76.31% | 56.16% | 57.58% | 59.43% | 74.63% | 74.58% | 74.01% | +1,644 bps | |
| Non-Interest Burden | 2.82% | 2.93% | 1.53% | 1.96% | 2.21% | 3.04% | 2.91% | 2.91% | +95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.09% | 56.42% | 39.00% | 31.13% | 43.44% | 4.58% | 10.66% | 6.85% | -2,427 bps | |
| Loan Growth (YoY) | 56.02% | 51.22% | 40.58% | 37.41% | 21.70% | 14.30% | 21.02% | 18.75% | -1,866 bps | |
| Deposit Growth (YoY) | 52.01% | 52.97% | 28.86% | 18.52% | 36.38% | 0.47% | 12.64% | 8.61% | -991 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% | 0.08% | 0.07% | 0.00% | 0.00% | 0.00% | -8 bps | |
| Allowance / Loans | 1.27% | 1.21% | 1.24% | 1.15% | 1.12% | 1.07% | 1.08% | 1.21% | +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 | 16.05% | 13.64% | 12.49% | 12.45% | 12.71% | 12.61% | 12.60% | 12.54% | +9 bps | |
| Equity / Assets | 13.14% | 16.65% | 16.66% | 17.08% | 16.40% | 16.52% | 15.45% | 16.29% | -79 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.79% | 68.55% | 70.73% | 76.20% | 71.20% | 77.98% | 75.99% | 83.31% | +711 bps | |
| Liquid Assets / Assets | 3.04% | 2.26% | 5.36% | 5.61% | 5.41% | 5.46% | 4.20% | 2.42% | -319 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |