Trenton, FL · Cert 26966
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 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.
Trenton, FL · Cert 26966
FDIC
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.09% | 1.30% | 1.36% | 1.33% | 1.70% | 1.63% | 1.52% | +16 bps | |
| Return on Equity | 7.86% | 8.55% | 10.04% | 10.58% | 10.57% | 14.62% | 14.30% | 14.22% | +364 bps | |
| Net Interest Margin | 3.66% | 3.88% | 4.20% | 4.20% | 4.35% | 4.27% | 4.16% | 3.67% | -53 bps | |
| Efficiency Ratio | 59.91% | 60.52% | 57.78% | 55.84% | 53.96% | 44.59% | 45.49% | 45.02% | -1,082 bps | |
| Non-Interest Burden | 2.10% | 2.16% | 2.21% | 2.12% | 2.11% | 1.60% | 1.61% | 1.39% | -74 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.16% | -4.95% | 1.69% | -5.36% | 9.03% | 9.35% | 18.66% | 37.77% | +4,312 bps | |
| Loan Growth (YoY) | -4.71% | -3.40% | 3.46% | 14.36% | 19.30% | 23.60% | 30.29% | 18.76% | +440 bps | |
| Deposit Growth (YoY) | -1.54% | 2.66% | 3.08% | 9.67% | 10.75% | 10.64% | 21.81% | 43.15% | +3,348 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 | 0.02% | -0.09% | -0.04% | -0.01% | 0.04% | 0.00% | 0.01% | 0.00% | +2 bps | |
| Allowance / Loans | 1.42% | 1.47% | 1.40% | 1.39% | 1.40% | 1.36% | 1.27% | 1.31% | -8 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 | 17.92% | 17.75% | 18.02% | 16.69% | 15.23% | 15.50% | 14.98% | 14.59% | -210 bps | |
| Equity / Assets | 12.81% | 12.81% | 13.28% | 12.47% | 11.49% | 11.72% | 11.00% | 9.16% | -331 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.52% | 73.14% | 76.77% | 76.28% | 78.12% | 81.71% | 82.11% | 63.28% | -1,300 bps | |
| Liquid Assets / Assets | 0.07% | 0.42% | 0.91% | 0.86% | 0.77% | 0.40% | 0.11% | 0.09% | -78 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |