Coral Gables, FL · Cert 35045
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.
Coral Gables, FL · Cert 35045
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 | 0.25% | 0.27% | 0.04% | -0.32% | -0.20% | -0.14% | -0.08% | -0.73% | -41 bps | |
| Return on Equity | 2.93% | 3.12% | 0.44% | -3.27% | -2.02% | -1.40% | -0.71% | -6.58% | -331 bps | |
| Net Interest Margin | 3.35% | 3.09% | 2.81% | 2.82% | 2.85% | 2.86% | 3.19% | 3.17% | +35 bps | |
| Efficiency Ratio | 84.12% | 83.95% | 97.70% | 96.57% | 96.35% | 98.21% | 100.24% | 105.06% | +849 bps | |
| Non-Interest Burden | 2.72% | 2.50% | 2.73% | 2.70% | 2.72% | 2.80% | 3.20% | 3.35% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.61% | 31.32% | 29.58% | 19.53% | 22.67% | 4.58% | 0.02% | 7.94% | -1,159 bps | |
| Loan Growth (YoY) | 31.80% | 26.18% | 18.95% | 2.80% | 2.23% | 0.60% | 1.12% | 9.73% | +692 bps | |
| Deposit Growth (YoY) | 17.94% | 31.23% | 28.50% | 19.87% | 0.96% | -12.39% | -17.28% | -4.92% | -2,479 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 | 0.09% | 0.06% | 0.00% | 0.89% | 0.54% | 0.18% | 0.07% | 0.03% | -86 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.98% | 1.08% | 1.07% | 1.19% | 1.22% | 1.21% | +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 | 10.04% | 12.36% | 13.43% | 14.72% | 15.24% | 15.13% | 15.24% | 14.07% | -65 bps | |
| Equity / Assets | 8.16% | 9.15% | 9.32% | 10.88% | 10.97% | 11.08% | 11.17% | 10.84% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 75.48% | 72.12% | 75.21% | 84.35% | 86.67% | 88.16% | 86.80% | +1,159 bps | |
| Liquid Assets / Assets | 17.29% | 22.87% | 18.32% | 24.76% | 31.34% | 31.10% | 30.04% | 28.74% | +399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |