Ft Pierce, FL · Charter 60252
Q3 2006
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.39% | 0.25% | 0.71% | 0.19% | -0.22% | -0.04% | 0.04% | -0.99% | -118 bps | |
| Return on Equity | 6.99% | 4.45% | 11.47% | 2.92% | -3.31% | -0.57% | 0.63% | -16.05% | -1,896 bps | |
| Net Interest Margin | 4.40% | 4.51% | 4.88% | 5.37% | 5.65% | 5.49% | 5.56% | 5.55% | +18 bps | |
| Efficiency Ratio | 85.62% | 89.35% | 84.25% | 82.10% | 83.96% | 100.48% | 95.94% | 108.66% | +2,656 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 35.15% | 31.74% | 18.91% | 0.87% | -18.55% | -24.43% | -21.04% | -14.08% | -1,495 bps | |
| Loan Growth (YoY) | -7.77% | -6.60% | -2.52% | 5.34% | 13.15% | 8.91% | 7.89% | 5.04% | -30 bps | |
| Share Growth (YoY) | 37.50% | 34.10% | 19.23% | -6.03% | -21.23% | -25.74% | -21.68% | -14.25% | -822 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.16% | 3.49% | 1.87% | 1.12% | 0.92% | 0.56% | 0.23% | 1.84% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.98% | 2.86% | 1.88% | 1.96% | 2.11% | 1.99% | 1.82% | 1.98% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 5.55% | 5.53% | 6.17% | 6.50% | 6.61% | 7.00% | 6.89% | 6.16% | -34 bps | |
| Net Worth / Assets | 5.55% | 5.53% | 6.17% | 6.50% | 6.61% | 7.00% | 6.89% | 6.16% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.85% | 56.81% | 63.19% | 76.13% | 81.67% | 83.31% | 87.04% | 93.25% | +1,712 bps | |
| Liquid Assets / Assets | 37.76% | 39.07% | 33.71% | 25.57% | 17.23% | 16.18% | 0.00% | 0.00% | -2,557 bps | |