Bradenton, FL · Cert 26744
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.26% | 1.20% | 1.13% | 1.00% | 0.85% | 0.70% | 0.30% | -83 bps | |
| Return on Equity | 13.56% | 15.01% | 14.58% | 13.86% | 12.21% | 10.67% | 8.88% | 1.70% | -1,216 bps | |
| Net Interest Margin | 3.95% | 3.88% | 3.97% | 3.82% | 3.73% | 3.42% | 3.28% | 0.13% | -369 bps | |
| Efficiency Ratio | 60.07% | 57.08% | 59.77% | 59.36% | 62.23% | 65.22% | 71.30% | -3063% | -312,269 bps | |
| Non-Interest Burden | 2.06% | 1.88% | 2.08% | 1.92% | 2.04% | 1.99% | 2.16% | -0.31% | -223 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% | 0.02% | 0.01% | -0.01% | 0.00% | 0.00% | 0.00% | 0.00% | +1 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 |