Crawfordville, FL · Cert 27067
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.
Crawfordville, FL · Cert 27067
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 | 0.65% | 0.03% | 0.63% | 0.90% | 1.01% | 1.05% | 1.39% | 1.70% | +80 bps | |
| Return on Equity | 9.16% | 0.38% | 3.80% | 5.54% | 6.34% | 6.55% | 8.87% | 11.10% | +556 bps | |
| Net Interest Margin | 3.97% | 0.35% | 3.81% | 3.85% | 3.73% | 3.81% | 3.55% | 3.53% | -32 bps | |
| Efficiency Ratio | 77.70% | 63.46% | 61.54% | 56.20% | 54.00% | 51.14% | 42.01% | 34.55% | -2,165 bps | |
| Non-Interest Burden | 2.86% | 0.18% | 2.16% | 1.93% | 1.77% | 1.69% | 1.13% | 0.83% | -110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.92% | 27.54% | 6.25% | 23.56% | 26.50% | 4.10% | 21.65% | 14.15% | -941 bps | |
| Loan Growth (YoY) | -20.81% | -15.44% | 11.26% | 57.09% | 66.52% | 80.97% | 65.37% | 51.58% | -551 bps | |
| Deposit Growth (YoY) | 10.01% | 17.88% | -8.73% | 12.85% | 15.18% | -1.96% | 24.10% | -4.06% | -1,691 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 | 0.16% | 0.02% | 0.56% | 0.73% | 0.48% | 0.40% | 0.02% | 0.18% | -55 bps | |
| Allowance / Loans | 1.98% | 2.93% | 2.55% | 1.99% | 1.96% | 1.81% | 1.71% | 1.47% | -52 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 | 15.79% | 11.88% | 14.75% | 12.27% | 11.88% | 11.80% | 11.45% | 10.75% | -153 bps | |
| Equity / Assets | 7.19% | 15.72% | 17.40% | 15.65% | 15.47% | 15.91% | 15.47% | 14.60% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 44.39% | 41.88% | 59.30% | 61.20% | 64.17% | 77.30% | 79.03% | 96.70% | +3,550 bps | |
| Liquid Assets / Assets | 42.89% | 0.00% | 0.00% | 0.40% | 0.50% | 0.45% | 0.37% | 0.13% | -27 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |