Bradenton, FL · Cert 26744
FDIC
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.
Bradenton, FL · Cert 26744
FDIC
Q2 2006
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.07% | 1.20% | 1.17% | 1.11% | 1.04% | 0.70% | 0.48% | -69 bps | |
| Return on Equity | 12.43% | 13.15% | 14.58% | 14.17% | 13.51% | 12.79% | 8.88% | 3.29% | -1,089 bps | |
| Net Interest Margin | 3.72% | 3.65% | 3.97% | 3.80% | 3.69% | 3.56% | 3.28% | 1.37% | -243 bps | |
| Efficiency Ratio | 62.83% | 61.31% | 59.77% | 59.56% | 60.46% | 61.61% | 71.30% | 45.97% | -1,359 bps | |
| Non-Interest Burden | 2.05% | 1.95% | 2.08% | 1.95% | 1.93% | 1.91% | 2.16% | 0.71% | -124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.45% | 14.67% | 12.12% | 13.88% | 14.98% | 18.75% | 13.72% | 33.97% | +2,009 bps | |
| Loan Growth (YoY) | 31.31% | 14.23% | 10.90% | 13.02% | 15.03% | 20.39% | 21.29% | 10.88% | -214 bps | |
| Deposit Growth (YoY) | 35.05% | 15.20% | 13.49% | 11.45% | 14.83% | 20.90% | 13.47% | -2.39% | -1,384 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% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.01% | 1.00% | 1.00% | 1.00% | 1.00% | 1.03% | +2 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 | 11.32% | 11.59% | 11.72% | 11.65% | 11.59% | 11.46% | 11.68% | 9.87% | -178 bps | |
| Equity / Assets | 8.34% | 8.42% | 8.11% | 8.20% | 8.15% | 7.82% | 7.88% | 25.52% | +1,732 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.38% | 87.71% | 83.05% | 87.30% | 90.54% | 87.34% | 88.78% | 99.17% | +1,187 bps | |
| Liquid Assets / Assets | 2.49% | 1.78% | 1.89% | 0.16% | 0.09% | 0.17% | 0.12% | 8.98% | +882 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |