Pensacola, FL · Charter 67506
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.
Pensacola, FL · Charter 67506
Q4 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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 1.28% | 1.26% | 1.22% | 0.49% | 0.54% | 0.45% | -1.25% | -247 bps | |
| Return on Equity | 10.89% | 11.70% | 11.29% | 10.57% | 4.04% | 4.39% | 3.47% | -10.95% | -2,152 bps | |
| Net Interest Margin | 3.75% | 3.89% | 3.89% | 3.89% | 3.70% | 3.72% | 3.83% | 3.71% | -18 bps | |
| Efficiency Ratio | 79.47% | 76.64% | 76.91% | 77.93% | 90.80% | 89.65% | 91.95% | 121.38% | +4,345 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.35% | 18.19% | 14.59% | -5.19% | -7.38% | -4.12% | -9.94% | -8.54% | -335 bps | |
| Loan Growth (YoY) | 28.03% | 28.05% | 20.16% | 10.43% | 6.82% | 0.30% | -3.11% | -3.87% | -1,430 bps | |
| Share Growth (YoY) | 25.96% | 18.82% | 14.74% | -7.14% | -9.67% | -5.62% | -12.02% | -9.24% | -211 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.02% | 0.15% | 0.16% | 0.20% | 0.51% | 0.30% | 0.37% | +22 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 | 0.27% | 0.26% | 0.25% | 0.23% | 0.22% | 0.28% | 0.18% | 0.10% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.17% | 10.91% | 11.12% | 11.56% | 12.07% | 12.25% | 12.97% | 11.39% | -17 bps | |
| Net Worth / Assets | 10.17% | 10.91% | 11.12% | 11.56% | 12.07% | 12.25% | 12.97% | 11.39% | -17 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.77% | 80.11% | 80.75% | 80.86% | 83.70% | 85.14% | 88.93% | 85.65% | +478 bps | |
| Liquid Assets / Assets | 21.03% | 14.26% | 13.72% | 14.27% | 9.41% | 0.00% | 0.00% | 0.00% | -1,427 bps | |