Ft. Lauderdale, FL · Charter 12462
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Ft. Lauderdale, FL · Charter 12462
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.57% | -0.11% | -0.02% | 0.01% | 0.32% | 0.23% | 0.21% | -2.02% | -203 bps | |
| Return on Equity | -3.31% | -0.66% | -0.11% | 0.08% | 1.77% | 1.16% | 0.96% | -9.55% | -963 bps | |
| Net Interest Margin | 3.92% | 3.96% | 3.86% | 4.14% | 4.40% | 4.79% | 5.07% | 5.18% | +104 bps | |
| Efficiency Ratio | 98.59% | 93.84% | 94.61% | 92.19% | 93.98% | 96.07% | 96.70% | 130.87% | +3,868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.08% | -7.11% | -1.43% | 0.11% | -4.02% | -14.44% | -23.45% | -25.31% | -2,543 bps | |
| Loan Growth (YoY) | -22.35% | -14.20% | -10.44% | -15.12% | -13.73% | -23.18% | -24.23% | -18.51% | -339 bps | |
| Share Growth (YoY) | -11.42% | -8.12% | -1.42% | 0.06% | -5.24% | -17.82% | -30.29% | -30.10% | -3,016 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.00% | 4.38% | 4.50% | 1.71% | 0.73% | 0.62% | 1.83% | 1.37% | -34 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 | 3.36% | 3.57% | 2.23% | 2.60% | 2.85% | 3.18% | 2.94% | 4.88% | +228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.20% | 16.93% | 16.31% | 17.28% | 18.17% | 19.98% | 21.50% | 21.12% | +384 bps | |
| Net Worth / Assets | 17.20% | 16.93% | 16.31% | 17.28% | 18.17% | 19.98% | 21.50% | 21.12% | +384 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.02% | 30.54% | 29.07% | 28.83% | 28.24% | 28.55% | 31.59% | 33.61% | +478 bps | |
| Liquid Assets / Assets | 40.32% | 41.36% | 42.76% | 45.85% | 46.54% | 0.00% | 0.00% | 0.00% | -4,585 bps | |