Sarasota, FL · Cert 35046
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.
Sarasota, FL · Cert 35046
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 | 0.41% | 0.51% | 0.65% | 0.72% | 0.80% | 0.81% | 0.70% | 0.69% | -3 bps | |
| Return on Equity | 4.99% | 5.46% | 5.07% | 5.91% | 6.69% | 6.90% | 6.56% | 6.47% | +57 bps | |
| Net Interest Margin | 3.11% | 3.05% | 3.77% | 3.49% | 3.38% | 3.35% | 3.53% | 3.40% | -9 bps | |
| Efficiency Ratio | 71.37% | 67.78% | 60.08% | 59.18% | 57.99% | 57.53% | 62.00% | 62.67% | +349 bps | |
| Non-Interest Burden | 2.18% | 2.03% | 2.22% | 2.03% | 1.92% | 1.89% | 2.16% | 2.09% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 42.02% | 21.89% | 25.03% | 33.48% | 24.01% | 30.76% | 22.90% | 15.16% | -1,832 bps | |
| Loan Growth (YoY) | 41.81% | 34.68% | 37.96% | 34.90% | 41.31% | 38.72% | 29.18% | 27.85% | -705 bps | |
| Deposit Growth (YoY) | 47.56% | 14.18% | 18.29% | 29.55% | 18.97% | 37.43% | 26.31% | 16.11% | -1,343 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.09% | 1.05% | 1.07% | 1.08% | 1.05% | 1.05% | 1.07% | 1.08% | +1 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 | 9.90% | 15.28% | 14.16% | 13.05% | 12.24% | 11.74% | 11.61% | 11.43% | -162 bps | |
| Equity / Assets | 7.77% | 13.26% | 12.25% | 11.27% | 11.43% | 10.75% | 10.65% | 10.38% | -89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.73% | 96.44% | 97.19% | 89.80% | 97.07% | 97.34% | 99.39% | 98.88% | +908 bps | |
| Liquid Assets / Assets | 0.02% | 0.06% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |