W. Palm Beach, FL · Charter 24671
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 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.
W. Palm Beach, FL · Charter 24671
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.32% | 0.33% | 0.44% | 0.41% | 0.46% | 0.51% | 0.87% | +43 bps | |
| Return on Equity | 3.43% | 3.52% | 3.63% | 4.73% | 4.41% | 4.57% | 4.94% | 8.35% | +362 bps | |
| Net Interest Margin | 3.24% | 3.25% | 3.32% | 3.54% | 3.54% | 3.87% | 4.01% | 4.42% | +88 bps | |
| Efficiency Ratio | 92.61% | 92.21% | 91.93% | 89.44% | 90.29% | 90.13% | 89.31% | 82.93% | -651 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.01% | 7.68% | 2.90% | 3.60% | 1.91% | -5.44% | -6.64% | -5.21% | -881 bps | |
| Loan Growth (YoY) | 45.23% | 1.17% | 24.00% | -11.71% | -8.73% | -6.61% | -24.02% | -22.59% | -1,089 bps | |
| Share Growth (YoY) | 17.39% | 7.93% | 2.69% | 3.57% | 1.62% | -6.61% | -8.05% | -6.25% | -981 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.21% | 0.20% | 0.17% | 0.12% | 0.03% | 0.01% | 0.00% | 0.02% | -10 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 | 1.63% | 1.77% | 1.52% | 1.68% | 1.72% | 1.84% | 1.58% | 1.77% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.02% | 9.09% | 9.18% | 9.31% | 9.23% | 10.06% | 10.34% | 10.43% | +112 bps | |
| Net Worth / Assets | 9.02% | 9.09% | 9.18% | 9.31% | 9.23% | 10.06% | 10.34% | 10.43% | +112 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.79% | 52.02% | 60.87% | 53.54% | 51.00% | 52.02% | 50.30% | 44.21% | -933 bps | |
| Liquid Assets / Assets | 45.59% | 49.62% | 41.98% | 47.57% | 50.43% | 49.15% | 51.36% | 55.84% | +826 bps | |