Spring Hill, FL · Cert 35327
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 | 0.97% | 0.94% | 1.23% | 1.10% | 1.05% | 1.00% | 1.06% | 0.94% | -16 bps | |
| Return on Equity | 11.31% | 10.63% | 12.30% | 11.03% | 10.83% | 10.54% | 12.58% | 11.20% | +17 bps | |
| Net Interest Margin | 3.02% | 3.11% | 3.49% | 3.38% | 3.33% | 3.18% | 3.05% | 2.86% | -51 bps | |
| Efficiency Ratio | 49.56% | 52.10% | 47.55% | 48.82% | 50.75% | 53.70% | 50.42% | 54.49% | +568 bps | |
| Non-Interest Burden | 1.45% | 1.58% | 1.61% | 1.59% | 1.63% | 1.66% | 1.48% | 1.51% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.51% | -6.47% | -5.36% | -3.32% | -0.88% | 20.84% | 22.47% | 21.45% | +2,477 bps | |
| Loan Growth (YoY) | 2.74% | 8.42% | 10.03% | 14.97% | 24.01% | 28.40% | 27.97% | 17.49% | +252 bps | |
| Deposit Growth (YoY) | 9.73% | -4.57% | -7.72% | -5.58% | 2.67% | 16.35% | 28.38% | 12.97% | +1,855 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 | 0.01% | 0.03% | -0.07% | -0.03% | -0.02% | -0.01% | 0.01% | 0.01% | +4 bps | |
| Allowance / Loans | 1.05% | 1.02% | 0.96% | 0.94% | 0.97% | 0.81% | 0.74% | 0.74% | -19 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 | 19.31% | 20.40% | 19.60% | 18.70% | 18.15% | 16.98% | 15.87% | 15.74% | -296 bps | |
| Equity / Assets | 8.55% | 10.00% | 9.98% | 9.88% | 9.04% | 8.63% | 8.28% | 8.21% | -167 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.19% | 40.46% | 45.73% | 46.64% | 42.50% | 44.66% | 45.58% | 48.50% | +186 bps | |
| Liquid Assets / Assets | 65.36% | 57.10% | 55.39% | 52.96% | 57.73% | 56.68% | 54.17% | 54.17% | +122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |