Naples, FL · Cert 34288
FDIC
Q3 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.36% | -0.23% | -0.92% | -0.53% | -2.17% | 2.43% | 0.66% | +158 bps | |
| Return on Equity | -2.13% | -4.72% | -3.12% | -12.48% | -6.18% | -23.63% | 18.80% | 3.73% | +1,621 bps | |
| Net Interest Margin | 2.63% | 2.72% | 2.79% | 2.60% | 2.39% | 2.62% | 0.10% | 3.32% | +72 bps | |
| Efficiency Ratio | 108.72% | 119.75% | 112.97% | 120.58% | 136.61% | 169.09% | -4021% | 66.21% | -5,438 bps | |
| Non-Interest Burden | 2.88% | 3.28% | 3.17% | 3.18% | 3.32% | 4.55% | -2.20% | 2.23% | -95 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.13% | -24.65% | -20.77% | -24.82% | -9.33% | -2.47% | -6.27% | -3.18% | +2,165 bps | |
| Loan Growth (YoY) | 0.46% | 3.29% | 7.65% | 2.48% | -16.44% | 22.08% | 4.46% | 8.85% | +637 bps | |
| Deposit Growth (YoY) | -27.11% | -38.29% | -34.82% | -33.14% | 5.85% | -7.15% | -9.85% | -10.57% | +2,257 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 | -0.06% | -0.06% | -0.03% | 1.66% | 0.01% | 0.83% | -1.10% | 0.94% | -72 bps | |
| Allowance / Loans | 0.85% | 0.85% | 0.86% | 0.90% | 1.04% | 0.73% | 0.89% | 0.69% | -21 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 | 15.53% | 14.75% | 14.16% | 15.05% | 20.66% | 13.44% | 15.67% | 15.35% | +30 bps | |
| Equity / Assets | 7.77% | 7.30% | 7.37% | 7.36% | 9.87% | 8.54% | 17.48% | 18.19% | +1,083 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.01% | 76.74% | 76.04% | 70.18% | 62.38% | 100.90% | 88.11% | 85.41% | +1,523 bps | |
| Liquid Assets / Assets | 0.14% | 0.11% | 0.08% | 0.45% | 0.58% | 0.03% | 0.01% | 0.01% | -44 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |