Naples, FL · Charter 16478
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 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.
Naples, FL · Charter 16478
Q2 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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | 0.67% | -1.46% | -1.05% | -1.27% | -0.20% | 0.26% | -2.67% | -162 bps | |
| Return on Equity | -4.96% | 6.12% | -15.47% | -10.87% | -12.32% | -1.75% | 2.20% | -24.93% | -1,406 bps | |
| Net Interest Margin | 1.86% | 2.90% | 1.29% | 1.80% | 1.96% | 2.69% | 3.14% | 4.43% | +263 bps | |
| Efficiency Ratio | 115.29% | 72.07% | 179.91% | 133.74% | 135.63% | 85.41% | 61.16% | 45.34% | -8,839 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.64% | 15.88% | 6.17% | 5.08% | -11.42% | -14.17% | -18.17% | -16.39% | -2,147 bps | |
| Loan Growth (YoY) | -12.14% | -7.78% | -6.77% | -0.15% | -3.75% | -1.56% | 4.70% | -5.88% | -574 bps | |
| Share Growth (YoY) | 14.78% | 17.20% | 7.19% | 6.83% | -11.69% | -14.20% | -20.16% | -16.69% | -2,353 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.98% | 4.80% | 3.16% | 2.78% | 4.72% | 4.67% | 2.83% | -33 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 | 0.80% | 0.82% | 1.11% | 1.26% | 1.14% | 1.49% | 1.98% | 4.24% | +298 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.09% | 10.87% | 9.46% | 9.66% | 10.31% | 11.16% | 11.93% | 10.70% | +104 bps | |
| Net Worth / Assets | 10.09% | 10.87% | 9.46% | 9.66% | 10.31% | 11.16% | 11.93% | 10.70% | +104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.76% | 45.47% | 43.08% | 49.32% | 49.87% | 52.16% | 56.49% | 55.72% | +640 bps | |
| Liquid Assets / Assets | 56.30% | 57.30% | 29.13% | 15.88% | 17.02% | 51.20% | 47.74% | 0.00% | -1,588 bps | |