Saint Petersburg, FL · Cert 35234
FDIC
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 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.
Saint Petersburg, FL · Cert 35234
FDIC
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.85% | 0.82% | 0.83% | 0.74% | 0.81% | 0.83% | 0.58% | -25 bps | |
| Return on Equity | 12.35% | 11.84% | 11.56% | 11.65% | 10.18% | 11.24% | 11.44% | 7.92% | -374 bps | |
| Net Interest Margin | 3.95% | 4.04% | 3.60% | 3.68% | 4.18% | 3.99% | 3.95% | 3.88% | +20 bps | |
| Efficiency Ratio | 60.98% | 63.11% | 63.30% | 62.53% | 66.44% | 65.98% | 66.81% | 67.39% | +487 bps | |
| Non-Interest Burden | 2.25% | 2.40% | 2.15% | 2.16% | 2.63% | 2.48% | 2.49% | 2.47% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 33.13% | 44.70% | 60.52% | 37.15% | 38.57% | 33.32% | 20.14% | 19.29% | -1,786 bps | |
| Loan Growth (YoY) | 35.82% | 48.33% | 46.99% | 39.99% | 41.02% | 38.95% | 37.22% | 29.37% | -1,062 bps | |
| Deposit Growth (YoY) | 23.50% | 39.91% | 57.81% | 29.95% | 42.85% | 27.31% | 13.14% | 16.82% | -1,313 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% | 0.03% | 0.02% | 0.51% | +51 bps | |
| Allowance / Loans | 1.27% | 1.21% | 1.25% | 1.28% | 1.28% | 1.28% | 1.27% | 1.26% | -3 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 | 9.69% | 10.00% | 10.88% | 10.38% | 10.15% | 10.05% | 10.13% | 10.08% | -30 bps | |
| Equity / Assets | 6.97% | 7.20% | 7.07% | 7.15% | 7.29% | 7.15% | 7.43% | 7.52% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.37% | 86.81% | 79.48% | 87.68% | 92.17% | 94.75% | 96.39% | 97.10% | +942 bps | |
| Liquid Assets / Assets | 3.01% | 8.96% | 13.91% | 11.79% | 8.43% | 7.36% | 6.48% | 6.63% | -516 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |