Bartow, FL · Charter 67335
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.
Bartow, FL · Charter 67335
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.79% | 0.93% | 1.04% | 1.12% | 1.12% | 1.11% | 1.02% | 1.03% | -9 bps | |
| Return on Equity | 7.30% | 8.31% | 8.60% | 9.40% | 9.19% | 9.02% | 8.23% | 8.19% | -122 bps | |
| Net Interest Margin | 3.51% | 3.62% | 3.88% | 4.11% | 4.16% | 4.07% | 4.01% | 4.00% | -11 bps | |
| Efficiency Ratio | 84.13% | 82.06% | 81.23% | 79.70% | 80.31% | 80.13% | 81.37% | 77.62% | -208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.06% | -1.00% | -10.58% | -5.93% | -1.91% | -0.43% | 6.01% | 2.57% | +849 bps | |
| Loan Growth (YoY) | 7.97% | 6.03% | 12.37% | 6.16% | 6.70% | 4.75% | 0.05% | 0.70% | -546 bps | |
| Share Growth (YoY) | 1.41% | -3.31% | -13.19% | -8.17% | -3.79% | -2.16% | 5.41% | 1.70% | +986 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.21% | 0.18% | 0.02% | 0.07% | 0.06% | 0.05% | 0.00% | -2 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 | 0.28% | 0.28% | 0.29% | 0.40% | 0.39% | 0.37% | 0.25% | 0.31% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.79% | 11.17% | 12.04% | 11.89% | 12.15% | 12.34% | 12.38% | 12.59% | +70 bps | |
| Net Worth / Assets | 10.79% | 11.17% | 12.04% | 11.89% | 12.15% | 12.34% | 12.38% | 12.59% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.86% | 60.31% | 68.38% | 63.70% | 66.39% | 64.58% | 64.90% | 63.07% | -62 bps | |
| Liquid Assets / Assets | 40.58% | 40.92% | 34.15% | 39.05% | 0.00% | 0.00% | 0.00% | 0.00% | -3,905 bps | |