Tequesta, FL · Cert 34649
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Tequesta, FL · Cert 34649
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.07% | 1.10% | 1.10% | 1.48% | 1.57% | 1.56% | 1.52% | +41 bps | |
| Return on Equity | 11.49% | 11.59% | 11.91% | 12.23% | 16.73% | 16.96% | 16.04% | 15.29% | +306 bps | |
| Net Interest Margin | 3.82% | 3.81% | 3.81% | 4.05% | 4.54% | 4.57% | 4.80% | 4.61% | +56 bps | |
| Efficiency Ratio | 47.05% | 45.39% | 44.25% | 44.37% | 46.95% | 45.09% | 46.40% | 47.41% | +303 bps | |
| Non-Interest Burden | 1.74% | 1.68% | 1.63% | 1.74% | 2.08% | 2.01% | 2.17% | 2.14% | +39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.20% | 56.80% | 33.50% | 36.86% | 13.61% | -2.54% | -4.64% | -6.76% | -4,362 bps | |
| Loan Growth (YoY) | 74.84% | 66.03% | 44.54% | 35.69% | 22.79% | 5.08% | 2.62% | 1.63% | -3,405 bps | |
| Deposit Growth (YoY) | 31.49% | 55.50% | 35.72% | 37.50% | 10.90% | -2.46% | -7.60% | -12.39% | -4,989 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% | -0.05% | -0.03% | -0.02% | 0.00% | 0.00% | 0.00% | 0.00% | +2 bps | |
| Allowance / Loans | 1.04% | 1.06% | 1.25% | 1.37% | 1.37% | 1.38% | 1.39% | 1.35% | -2 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 | 12.62% | 11.38% | 11.91% | 11.74% | 12.48% | 12.88% | 13.50% | 13.55% | +180 bps | |
| Equity / Assets | 9.34% | 8.53% | 9.18% | 8.31% | 9.47% | 10.10% | 11.33% | 10.63% | +232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.84% | 94.31% | 97.88% | 87.92% | 97.26% | 101.60% | 108.71% | 101.99% | +1,407 bps | |
| Liquid Assets / Assets | 9.07% | 8.55% | 8.25% | 16.23% | 8.26% | 6.14% | 1.73% | 8.64% | -759 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |