Debary, FL · Cert 27066
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 | 1.08% | 1.04% | 1.10% | 1.32% | 1.30% | 1.29% | 1.15% | 1.28% | -4 bps | |
| Return on Equity | 14.73% | 14.37% | 15.95% | 18.83% | 18.53% | 18.34% | 16.12% | 17.71% | -112 bps | |
| Net Interest Margin | 4.13% | 3.92% | 3.90% | 4.05% | 4.02% | 3.85% | 3.92% | 4.00% | -5 bps | |
| Efficiency Ratio | 63.87% | 62.89% | 62.25% | 59.87% | 58.34% | 57.82% | 62.12% | 57.59% | -228 bps | |
| Non-Interest Burden | 2.50% | 2.33% | 2.30% | 2.28% | 2.20% | 2.09% | 2.32% | 2.17% | -11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.67% | 28.73% | 21.87% | 16.63% | 20.59% | 11.29% | 7.53% | 8.80% | -783 bps | |
| Loan Growth (YoY) | 13.97% | 15.43% | 18.17% | 23.37% | 22.73% | 22.28% | 21.09% | 20.05% | -332 bps | |
| Deposit Growth (YoY) | 15.85% | 30.37% | 22.80% | 16.73% | 21.46% | 11.01% | 6.85% | 8.25% | -848 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 | 0.34% | 0.26% | 0.21% | 0.11% | 0.10% | 0.09% | 0.00% | 0.02% | -9 bps | |
| Allowance / Loans | 0.83% | 0.88% | 0.84% | 0.77% | 0.79% | 0.79% | 0.78% | 0.72% | -5 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 | 11.74% | 11.38% | 11.23% | 11.10% | 10.97% | 10.91% | 10.93% | 10.74% | -35 bps | |
| Equity / Assets | 7.52% | 6.91% | 6.89% | 7.18% | 7.04% | 7.07% | 7.19% | 7.34% | +17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.01% | 68.89% | 70.47% | 75.84% | 75.80% | 75.88% | 79.86% | 84.11% | +827 bps | |
| Liquid Assets / Assets | 13.88% | 12.48% | 19.15% | 17.93% | 13.12% | 14.74% | 14.77% | 14.60% | -333 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |