Orlando, FL · Cert 27515
FDIC
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Orlando, FL · Cert 27515
FDIC
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.76% | 0.87% | 0.86% | 0.90% | 0.91% | 0.67% | 0.75% | -10 bps | |
| Return on Equity | 6.35% | 5.49% | 6.13% | 6.03% | 6.28% | 6.25% | 4.33% | 4.97% | -106 bps | |
| Net Interest Margin | 2.88% | 2.93% | 2.99% | 2.96% | 3.04% | 3.00% | 2.88% | 2.87% | -9 bps | |
| Efficiency Ratio | 56.38% | 57.57% | 59.93% | 60.55% | 58.39% | 58.89% | 63.17% | 60.25% | -30 bps | |
| Non-Interest Burden | 1.48% | 1.53% | 1.59% | 1.63% | 1.58% | 1.55% | 1.57% | 1.46% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.65% | 16.92% | 6.57% | 1.67% | -2.52% | -1.15% | -1.64% | -2.47% | -414 bps | |
| Loan Growth (YoY) | 20.34% | 21.13% | 20.51% | 3.43% | 1.26% | 1.07% | -0.14% | 6.60% | +317 bps | |
| Deposit Growth (YoY) | 17.78% | 19.79% | 13.74% | 0.35% | -0.58% | 2.00% | 5.02% | 2.25% | +191 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 | 0.11% | 0.13% | 0.05% | 0.23% | 0.19% | 0.22% | 0.44% | 0.31% | +8 bps | |
| Allowance / Loans | 1.13% | 1.13% | 1.12% | 1.05% | 1.07% | 1.07% | 1.06% | 1.09% | +4 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 | 10.67% | 10.67% | 10.86% | 10.97% | 11.81% | 12.03% | 12.30% | 11.42% | +46 bps | |
| Equity / Assets | 13.94% | 14.18% | 14.24% | 14.13% | 15.14% | 15.29% | 15.50% | 14.59% | +46 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.20% | 106.13% | 109.98% | 105.79% | 106.13% | 105.17% | 104.58% | 110.28% | +449 bps | |
| Liquid Assets / Assets | 0.19% | 0.25% | 0.16% | 0.13% | 0.01% | 0.02% | 0.05% | 0.01% | -12 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |