Clearwater, FL · Charter 67930
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.
Clearwater, FL · Charter 67930
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 | 1.01% | 1.42% | 1.57% | 1.57% | 1.77% | 1.81% | 1.92% | 1.88% | +31 bps | |
| Return on Equity | 8.19% | 10.81% | 11.55% | 11.37% | 12.22% | 11.65% | 11.18% | 10.62% | -74 bps | |
| Net Interest Margin | 4.13% | 4.35% | 4.38% | 4.33% | 4.61% | 4.69% | 4.93% | 4.89% | +56 bps | |
| Efficiency Ratio | 83.49% | 78.78% | 75.77% | 75.93% | 75.82% | 76.05% | 76.20% | 76.44% | +51 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.50% | -1.74% | -3.90% | -3.58% | -3.63% | -4.55% | -10.74% | -12.68% | -910 bps | |
| Loan Growth (YoY) | 5.61% | 11.87% | 11.51% | 5.82% | 7.15% | -1.47% | -5.57% | -4.64% | -1,046 bps | |
| Share Growth (YoY) | -2.72% | -3.29% | -5.85% | -5.96% | -6.20% | -8.25% | -14.82% | -16.54% | -1,058 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.09% | 0.02% | 1.20% | 0.30% | 0.15% | 1.13% | 2.67% | +147 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 | 0.60% | 0.42% | 0.43% | 0.51% | 0.44% | 0.38% | 0.40% | 0.32% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.28% | 13.10% | 13.61% | 13.82% | 14.52% | 15.55% | 17.15% | 17.71% | +389 bps | |
| Net Worth / Assets | 12.28% | 13.10% | 13.61% | 13.82% | 14.52% | 15.55% | 17.15% | 17.71% | +389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.78% | 82.02% | 84.73% | 81.88% | 83.13% | 88.07% | 93.94% | 93.56% | +1,168 bps | |
| Liquid Assets / Assets | 27.54% | 21.05% | 16.13% | 21.06% | 21.75% | 0.00% | 0.00% | 0.00% | -2,106 bps | |