Saint Cloud, FL · Cert 23410
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Saint Cloud, FL · Cert 23410
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.61% | 1.58% | 1.63% | 1.79% | 1.64% | 1.62% | 1.60% | 1.36% | -43 bps | |
| Return on Equity | 19.67% | 19.57% | 20.10% | 21.99% | 20.33% | 20.11% | 19.75% | 16.63% | -535 bps | |
| Net Interest Margin | 3.96% | 3.94% | 3.96% | 4.39% | 4.13% | 4.01% | 3.88% | 3.64% | -76 bps | |
| Efficiency Ratio | 47.40% | 46.50% | 45.50% | 42.41% | 44.43% | 44.31% | 44.24% | 47.43% | +502 bps | |
| Non-Interest Burden | 1.42% | 1.39% | 1.37% | 1.47% | 1.47% | 1.43% | 1.37% | 1.43% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.86% | 17.08% | 13.60% | 12.98% | 11.13% | 8.29% | 10.75% | 10.04% | -294 bps | |
| Loan Growth (YoY) | 22.51% | 24.69% | 18.53% | 17.14% | 16.56% | 11.12% | 12.14% | 13.14% | -401 bps | |
| Deposit Growth (YoY) | 16.20% | 18.10% | 8.72% | 7.26% | 0.15% | 0.87% | 3.72% | 6.91% | -35 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 | -0.01% | 0.06% | 0.05% | 0.01% | 0.00% | -0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.34% | 1.29% | 1.30% | 1.28% | 1.24% | 1.22% | 1.21% | 1.19% | -9 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 | 11.92% | 11.38% | 11.81% | 11.72% | 11.47% | 11.47% | 11.66% | 11.34% | -38 bps | |
| Equity / Assets | 8.17% | 7.89% | 8.18% | 8.13% | 7.89% | 8.11% | 8.20% | 8.19% | +6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.66% | 88.96% | 92.55% | 92.07% | 99.69% | 98.00% | 100.07% | 97.43% | +536 bps | |
| Liquid Assets / Assets | 0.35% | 0.31% | 0.30% | 0.76% | 1.60% | 2.72% | 2.89% | 2.67% | +191 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |