Orlando, FL · Cert 35217
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.
Orlando, FL · Cert 35217
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 | 0.75% | 0.79% | 0.96% | 0.32% | 0.58% | 0.75% | 1.18% | 1.14% | +83 bps | |
| Return on Equity | 11.76% | 12.43% | 15.16% | 3.37% | 5.40% | 6.56% | 8.56% | 8.47% | +511 bps | |
| Net Interest Margin | 2.49% | 2.39% | 2.88% | 0.97% | 1.65% | 2.01% | 3.35% | 3.43% | +246 bps | |
| Efficiency Ratio | 52.66% | 50.76% | 42.97% | 39.59% | 40.12% | 39.59% | 38.79% | 38.59% | -100 bps | |
| Non-Interest Burden | 1.23% | 1.14% | 1.16% | 0.47% | 0.75% | 0.87% | 1.34% | 1.36% | +89 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.62% | 14.99% | 21.66% | 35.32% | 41.29% | 31.76% | 31.43% | 19.00% | -1,632 bps | |
| Loan Growth (YoY) | 29.48% | 29.13% | 27.17% | 22.93% | 20.44% | 21.14% | 12.00% | 11.48% | -1,146 bps | |
| Deposit Growth (YoY) | 10.47% | 15.38% | 23.65% | 24.41% | 30.24% | 20.41% | 21.62% | 22.16% | -225 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 | 1.22% | 1.20% | 1.15% | 1.12% | 1.12% | 1.09% | 1.12% | 1.10% | -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 | 14.96% | 14.99% | 14.97% | 15.63% | 16.48% | 16.83% | 17.53% | 16.86% | +123 bps | |
| Equity / Assets | 6.43% | 6.32% | 6.31% | 14.45% | 13.89% | 14.03% | 13.54% | 12.93% | -152 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.95% | 34.14% | 34.95% | 34.55% | 33.25% | 34.34% | 32.18% | 31.53% | -302 bps | |
| Liquid Assets / Assets | 54.02% | 55.13% | 55.92% | 22.06% | 18.03% | 24.15% | 19.85% | 5.34% | -1,672 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |