Miami, FL · Cert 33437
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.
Miami, FL · Cert 33437
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 | 0.75% | 0.76% | 0.72% | 0.58% | 0.52% | 0.48% | 0.12% | 0.04% | -54 bps | |
| Return on Equity | 9.23% | 9.58% | 9.48% | 7.50% | 6.53% | 5.85% | 1.40% | 0.50% | -700 bps | |
| Net Interest Margin | 3.10% | 2.98% | 3.03% | 3.01% | 2.92% | 2.93% | 2.97% | 2.73% | -28 bps | |
| Efficiency Ratio | 68.89% | 68.63% | 67.17% | 73.86% | 75.27% | 79.38% | 93.29% | 97.22% | +2,336 bps | |
| Non-Interest Burden | 1.96% | 1.88% | 1.90% | 2.11% | 2.09% | 2.24% | 2.75% | 2.65% | +54 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.15% | 12.37% | 20.23% | 9.57% | -2.06% | -9.40% | -5.56% | -3.15% | -1,272 bps | |
| Loan Growth (YoY) | 21.14% | 36.67% | 15.49% | 6.52% | -2.40% | -5.78% | 3.59% | 5.66% | -86 bps | |
| Deposit Growth (YoY) | 8.37% | 3.32% | -0.33% | -6.69% | -18.42% | -12.98% | -5.56% | -2.31% | +438 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 | -0.04% | -0.02% | -0.05% | -0.03% | -0.04% | -0.02% | -0.05% | -0.02% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 28.73% | 25.18% | 26.09% | 26.45% | 27.24% | 25.85% | 24.80% | 24.23% | -222 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 109.30% | 121.59% | 118.95% | 123.39% | 130.76% | 131.66% | 130.49% | 133.46% | +1,007 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |