Orlando, FL · Cert 57108
FDIC
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 57108
FDIC
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.50% | 0.62% | 0.98% | 1.05% | 1.07% | 1.03% | 1.01% | +3 bps | |
| Return on Equity | 4.55% | 5.49% | 6.99% | 12.57% | 13.44% | 13.50% | 12.79% | 11.95% | -62 bps | |
| Net Interest Margin | 2.64% | 2.54% | 2.61% | 3.51% | 3.45% | 3.48% | 3.39% | 3.22% | -29 bps | |
| Efficiency Ratio | 67.43% | 64.17% | 60.60% | 50.72% | 50.03% | 49.58% | 51.14% | 55.78% | +506 bps | |
| Non-Interest Burden | 1.74% | 1.58% | 1.54% | 1.71% | 1.66% | 1.65% | 1.66% | 1.71% | 0 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 59.48% | 71.64% | 74.35% | 47.62% | 26.68% | 16.32% | 5.94% | 8.55% | -3,907 bps | |
| Loan Growth (YoY) | 30.50% | 42.11% | 49.43% | 50.70% | 34.01% | 24.41% | 21.82% | 18.02% | -3,268 bps | |
| Deposit Growth (YoY) | 57.93% | 71.29% | 68.86% | 45.25% | 20.10% | 10.63% | 6.97% | 10.86% | -3,439 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% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | +2 bps | |
| Allowance / Loans | 1.26% | 1.26% | 1.25% | 1.26% | 1.25% | 1.25% | 1.25% | 1.21% | -5 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 | 15.24% | 14.03% | 13.59% | 13.31% | 13.23% | 13.24% | 12.91% | 13.00% | -30 bps | |
| Equity / Assets | 9.27% | 8.63% | 7.83% | 7.73% | 7.78% | 8.39% | 8.51% | 8.34% | +61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.46% | 58.48% | 59.08% | 61.19% | 62.99% | 65.76% | 67.29% | 65.14% | +395 bps | |
| Liquid Assets / Assets | 2.62% | 1.70% | 2.99% | 3.09% | 4.18% | 5.84% | 6.83% | 7.54% | +446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |