Tequesta, FL · Cert 34649
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.05% | 1.11% | 1.15% | 1.48% | 1.68% | 1.54% | 1.45% | +30 bps | |
| Return on Equity | 11.49% | 11.74% | 12.51% | 13.15% | 16.73% | 17.18% | 14.36% | 13.24% | +9 bps | |
| Net Interest Margin | 3.82% | 4.06% | 4.27% | 4.57% | 4.54% | 4.58% | 4.75% | 4.58% | +1 bps | |
| Efficiency Ratio | 47.05% | 43.94% | 42.35% | 44.67% | 46.95% | 43.23% | 49.07% | 50.46% | +579 bps | |
| Non-Interest Burden | 1.74% | 1.74% | 1.75% | 1.97% | 2.08% | 1.92% | 2.28% | 2.26% | +29 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 |