St Petersburg, FL · Charter 67311
Q3 2007
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
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 | 1.24% | 1.33% | 1.51% | 1.71% | 1.57% | 1.78% | 1.60% | -0.28% | -199 bps | |
| Return on Equity | 6.47% | 7.06% | 7.60% | 8.14% | 7.22% | 8.36% | 7.26% | -2.57% | -1,071 bps | |
| Net Interest Margin | 3.89% | 4.09% | 4.33% | 4.53% | 4.49% | 4.45% | 4.64% | 4.73% | +20 bps | |
| Efficiency Ratio | 74.51% | 72.72% | 70.49% | 68.62% | 70.84% | 66.99% | 71.53% | 104.81% | +3,619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.46% | -3.05% | -4.85% | -6.70% | -5.05% | -4.11% | -2.82% | -2.50% | +420 bps | |
| Loan Growth (YoY) | -3.52% | -2.58% | -2.09% | -4.00% | 0.38% | -2.12% | -4.45% | -7.83% | -382 bps | |
| Share Growth (YoY) | -7.07% | -5.16% | -7.40% | -9.89% | -7.93% | -7.35% | -5.61% | -3.57% | +632 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.28% | 0.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.34% | 0.29% | 0.25% | 0.25% | 0.28% | 0.29% | 0.21% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.17% | 18.86% | 19.85% | 21.01% | 21.76% | 21.26% | 21.98% | 10.73% | -1,028 bps | |
| Net Worth / Assets | 19.17% | 18.86% | 19.85% | 21.01% | 21.76% | 21.26% | 21.98% | 10.73% | -1,028 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.03% | 60.25% | 62.95% | 66.95% | 69.81% | 63.64% | 63.72% | 64.00% | -295 bps | |
| Liquid Assets / Assets | 36.90% | 40.65% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |