W. Palm Beach, FL · Charter 67704
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.
W. Palm Beach, FL · Charter 67704
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 | 1.08% | 1.22% | 1.19% | 1.66% | 1.53% | 1.20% | 0.77% | -10.53% | -1,219 bps | |
| Return on Equity | 5.37% | 5.77% | 5.26% | 7.45% | 6.76% | 4.94% | 2.93% | -42.87% | -5,032 bps | |
| Net Interest Margin | 3.97% | 4.28% | 4.47% | 5.36% | 5.21% | 5.56% | 6.04% | 5.04% | -32 bps | |
| Efficiency Ratio | 79.01% | 83.35% | 83.17% | 75.11% | 76.17% | 81.68% | 87.25% | 259% | +18,355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.33% | 4.70% | -1.37% | 1.17% | -5.83% | -9.01% | -11.27% | -16.89% | -1,806 bps | |
| Loan Growth (YoY) | 8.18% | 2.48% | 12.42% | 6.68% | 6.12% | 12.93% | 0.38% | -5.65% | -1,233 bps | |
| Share Growth (YoY) | 8.97% | 3.49% | -4.02% | -0.85% | -9.11% | -12.86% | -15.60% | -20.73% | -1,987 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.39% | 0.44% | 0.42% | 1.21% | 0.00% | 2.79% | 2.60% | +218 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 | 1.51% | 0.66% | 0.67% | 0.64% | 0.72% | 0.82% | 0.86% | 0.87% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.05% | 21.10% | 22.66% | 22.35% | 22.64% | 24.32% | 26.31% | 24.55% | +220 bps | |
| Net Worth / Assets | 20.05% | 21.10% | 22.66% | 22.35% | 22.64% | 24.32% | 26.31% | 24.55% | +220 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.69% | 45.72% | 53.51% | 53.91% | 52.18% | 59.25% | 63.64% | 64.16% | +1,025 bps | |
| Liquid Assets / Assets | 46.32% | 39.24% | 41.81% | 38.85% | 0.00% | 0.00% | 0.00% | 0.00% | -3,885 bps | |