Clearwater, FL · Cert 57912
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.33% | 0.24% | 0.41% | 0.34% | 0.16% | 0.29% | 0.20% | -21 bps | |
| Return on Equity | 4.02% | 2.36% | 1.71% | 2.81% | 2.42% | 1.12% | 1.81% | 1.33% | -148 bps | |
| Net Interest Margin | 3.10% | 3.27% | 3.01% | 3.27% | 3.48% | 3.32% | 3.58% | 3.80% | +53 bps | |
| Efficiency Ratio | 79.17% | 89.50% | 92.57% | 88.11% | 89.84% | 94.43% | 90.45% | 91.55% | +344 bps | |
| Non-Interest Burden | 2.40% | 2.89% | 2.78% | 2.86% | 3.11% | 3.13% | 3.23% | 3.47% | +61 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.82% | 9.24% | 1.69% | 2.94% | 13.12% | -10.22% | -9.59% | 8.94% | +599 bps | |
| Loan Growth (YoY) | 49.91% | 80.16% | 43.97% | 29.68% | 25.83% | 23.04% | 11.85% | 17.72% | -1,196 bps | |
| Deposit Growth (YoY) | 26.06% | 6.98% | 3.93% | 3.75% | 17.71% | -14.65% | -18.35% | -1.42% | -517 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% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.57% | 1.56% | 1.40% | 1.34% | 1.29% | 1.27% | 1.28% | 1.20% | -14 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 | 22.45% | 21.72% | 20.53% | 20.70% | 19.00% | 20.20% | 20.37% | 18.16% | -255 bps | |
| Equity / Assets | 14.20% | 13.76% | 14.09% | 14.96% | 13.05% | 15.96% | 16.16% | 14.14% | -82 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.47% | 65.57% | 74.37% | 80.43% | 71.06% | 94.53% | 101.88% | 96.04% | +1,561 bps | |
| Liquid Assets / Assets | 7.74% | 6.30% | 8.13% | 8.49% | 5.71% | 6.72% | 5.44% | 4.77% | -372 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |