Fort Myers, FL · Cert 34801
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Fort Myers, FL · Cert 34801
FDIC
Q1 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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.67% | 0.74% | 0.89% | 0.93% | 0.94% | 0.83% | 0.80% | -9 bps | |
| Return on Equity | 8.10% | 8.31% | 9.29% | 12.10% | 12.56% | 12.27% | 10.44% | 8.48% | -362 bps | |
| Net Interest Margin | 3.34% | 3.19% | 3.20% | 3.55% | 3.50% | 3.69% | 3.78% | 3.50% | -5 bps | |
| Efficiency Ratio | 63.12% | 62.92% | 62.48% | 62.08% | 61.33% | 61.26% | 65.52% | 67.14% | +505 bps | |
| Non-Interest Burden | 2.04% | 1.93% | 1.92% | 2.15% | 2.08% | 2.20% | 2.42% | 2.26% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.68% | 52.93% | 27.61% | 33.89% | 16.98% | -3.45% | -8.35% | -17.84% | -5,172 bps | |
| Loan Growth (YoY) | 34.93% | 49.96% | 40.13% | 27.06% | 17.28% | 1.93% | -7.89% | -12.67% | -3,973 bps | |
| Deposit Growth (YoY) | 54.98% | 68.95% | 33.60% | 35.68% | 15.43% | -5.11% | -9.55% | -17.73% | -5,340 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 | 0.03% | 0.02% | 0.02% | -0.11% | -0.06% | -0.04% | -0.02% | 0.04% | +15 bps | |
| Allowance / Loans | 1.00% | 1.00% | 1.00% | 1.04% | 1.06% | 1.06% | 1.12% | 1.17% | +13 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 | 11.96% | 10.93% | 10.88% | 10.93% | 11.44% | 11.91% | 12.78% | 14.07% | +315 bps | |
| Equity / Assets | 8.09% | 7.18% | 7.48% | 7.20% | 7.64% | 8.36% | 9.10% | 9.70% | +250 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.18% | 88.52% | 95.46% | 87.76% | 89.59% | 95.08% | 97.22% | 93.16% | +540 bps | |
| Liquid Assets / Assets | 1.23% | 0.96% | 1.16% | 1.57% | 2.48% | 2.66% | 2.60% | 2.71% | +113 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |