Trenton, FL · Cert 26966
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 1.09% | 1.51% | 1.49% | 1.22% | 1.70% | 1.58% | 1.41% | -8 bps | |
| Return on Equity | 5.80% | 8.55% | 11.55% | 11.59% | 10.16% | 14.62% | 13.96% | 14.16% | +257 bps | |
| Net Interest Margin | 3.78% | 3.88% | 4.56% | 4.75% | 4.77% | 4.27% | 4.29% | 3.64% | -111 bps | |
| Efficiency Ratio | 69.34% | 60.52% | 55.39% | 52.55% | 48.80% | 44.59% | 46.34% | 44.08% | -847 bps | |
| Non-Interest Burden | 2.76% | 2.16% | 2.28% | 2.24% | 2.08% | 1.60% | 1.71% | 1.31% | -93 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 | 0.01% | -0.09% | 0.01% | 0.03% | 0.20% | 0.00% | 0.01% | 0.00% | -3 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 |