Bradenton, FL · Cert 57523
FDIC
Q2 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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | -0.28% | -0.46% | -0.65% | -2.47% | -7.29% | -4.59% | -9.54% | -890 bps | |
| Return on Equity | 0.30% | -1.92% | -3.52% | -5.04% | -20.30% | -67.32% | -89.36% | -263% | -25,775 bps | |
| Net Interest Margin | 3.07% | 2.93% | 3.02% | 2.87% | 2.71% | 2.37% | 1.19% | 0.91% | -196 bps | |
| Efficiency Ratio | 73.81% | 75.26% | 88.80% | 110.65% | 123.92% | 169.55% | 281% | 442% | +33,124 bps | |
| Non-Interest Burden | 2.20% | 2.15% | 2.67% | 3.17% | 3.35% | 3.77% | 3.53% | 4.23% | +106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 80.17% | 74.56% | 53.12% | 27.17% | 22.75% | 7.02% | -0.16% | 0.40% | -2,677 bps | |
| Loan Growth (YoY) | 70.27% | 56.45% | 44.11% | 17.83% | 15.51% | 7.87% | 2.51% | -5.61% | -2,345 bps | |
| Deposit Growth (YoY) | 73.61% | 69.40% | 56.50% | 32.18% | 29.59% | 9.65% | -5.60% | 1.75% | -3,043 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% | 0.55% | 0.19% | 0.30% | 0.36% | 2.76% | 8.33% | 8.87% | +858 bps | |
| Allowance / Loans | 1.44% | 1.55% | 1.79% | 1.80% | 4.17% | 5.44% | 4.13% | 5.77% | +397 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 | 16.95% | 15.55% | 14.73% | 13.90% | 10.79% | 7.35% | 5.95% | 1.72% | -1,219 bps | |
| Equity / Assets | 15.09% | 13.58% | 12.61% | 12.42% | 10.28% | 5.48% | 4.79% | 0.58% | -1,183 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.56% | 91.32% | 88.44% | 89.93% | 86.07% | 89.84% | 96.03% | 83.42% | -651 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.00% | 0.03% | 0.03% | 0.03% | 0.08% | 0.27% | +24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |