Crawfordville, FL · Cert 27067
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 | 0.59% | -1.62% | 0.63% | 1.20% | 1.22% | 1.12% | 1.39% | 2.00% | +80 bps | |
| Return on Equity | 8.31% | -13.67% | 3.80% | 7.30% | 7.87% | 7.14% | 8.87% | 13.30% | +600 bps | |
| Net Interest Margin | 4.21% | -10.57% | 3.81% | 4.02% | 4.02% | 4.00% | 3.55% | 3.95% | -6 bps | |
| Efficiency Ratio | 70.98% | 63.46% | 61.54% | 50.95% | 50.00% | 42.87% | 42.01% | 28.44% | -2,250 bps | |
| Non-Interest Burden | 2.72% | -7.91% | 2.16% | 1.78% | 1.72% | 1.40% | 1.13% | 0.68% | -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 | 0.15% | -0.40% | 0.56% | 1.01% | 0.08% | 0.32% | 0.02% | 0.33% | -68 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 |