Miami, FL · Charter 68270
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 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.
Miami, FL · Charter 68270
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 | 0.17% | -1.13% | 0.24% | 0.56% | -1.52% | 1.23% | 0.92% | 0.80% | +24 bps | |
| Return on Equity | 1.11% | -8.05% | 1.72% | 4.08% | -10.26% | 8.47% | 6.03% | 5.42% | +135 bps | |
| Net Interest Margin | 4.92% | 4.37% | 4.57% | 4.60% | 3.01% | 4.85% | 5.25% | 5.12% | +52 bps | |
| Efficiency Ratio | 94.86% | 111.78% | 101.87% | 95.96% | 125.90% | 83.63% | 81.52% | 79.97% | -1,599 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.25% | -0.76% | 2.82% | 10.47% | 45.92% | 42.27% | 32.78% | 33.04% | +2,257 bps | |
| Loan Growth (YoY) | 10.59% | 6.42% | 10.16% | 14.18% | 54.09% | 51.10% | 41.72% | 23.51% | +933 bps | |
| Share Growth (YoY) | -6.26% | -1.43% | 3.04% | 11.58% | 46.20% | 42.71% | 30.80% | 31.42% | +1,984 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.47% | 0.57% | 0.44% | 0.43% | 0.87% | 0.80% | 1.20% | 2.28% | +185 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 | 1.03% | 0.90% | 0.53% | 0.42% | 0.72% | 0.56% | 0.85% | 1.10% | +69 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.28% | 13.99% | 14.10% | 13.77% | 14.78% | 14.47% | 15.32% | 14.77% | +99 bps | |
| Net Worth / Assets | 15.28% | 13.99% | 14.10% | 13.77% | 14.78% | 14.47% | 15.32% | 14.77% | +99 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.05% | 80.50% | 81.02% | 83.61% | 91.74% | 85.24% | 87.79% | 78.58% | -503 bps | |
| Liquid Assets / Assets | 14.29% | 21.73% | 24.39% | 21.62% | 16.98% | 21.32% | 0.00% | 0.00% | -2,162 bps | |