Jacksonville, FL · Charter 11051
Q4 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.22% | 0.02% | 0.24% | 0.35% | 0.67% | 0.22% | 0.82% | 1.08% | +73 bps | |
| Return on Equity | 1.89% | 0.13% | 1.86% | 2.53% | 4.95% | 1.66% | 6.06% | 7.39% | +486 bps | |
| Net Interest Margin | 4.47% | 4.78% | 4.90% | 5.10% | 4.68% | 4.76% | 4.87% | 5.09% | -1 bps | |
| Efficiency Ratio | 96.48% | 99.04% | 94.33% | 91.81% | 89.24% | 87.16% | 84.29% | 82.53% | -928 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.73% | -10.76% | -12.84% | -14.60% | -9.10% | -2.63% | -2.00% | -1.73% | +1,287 bps | |
| Loan Growth (YoY) | 9.05% | 4.41% | -1.05% | -5.28% | -5.27% | -3.59% | -2.20% | -3.67% | +161 bps | |
| Share Growth (YoY) | -14.43% | -9.09% | -6.19% | -9.08% | -4.22% | -0.28% | -2.57% | -2.34% | +674 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.83% | 0.36% | 0.68% | 0.83% | 0.47% | 0.67% | 1.02% | +33 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 | 0.16% | 0.16% | 0.20% | 0.25% | 0.30% | 0.44% | 0.47% | 0.48% | +23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.87% | 12.66% | 13.07% | 13.83% | 13.50% | 13.44% | 13.61% | 14.63% | +80 bps | |
| Net Worth / Assets | 11.87% | 12.66% | 13.07% | 13.83% | 13.50% | 13.44% | 13.61% | 14.63% | +80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.48% | 84.96% | 83.15% | 86.27% | 82.56% | 82.14% | 83.46% | 85.09% | -118 bps | |
| Liquid Assets / Assets | 19.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |