Tallahassee, FL · Charter 13912
Q4 2000
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.79% | 3.74% | 4.26% | 3.88% | 3.80% | 0.43% | 0.65% | 0.54% | -334 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 6.42% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 3.54% | 3.70% | 3.59% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 86.16% | 81.97% | 82.86% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.33% | 14.46% | 12.09% | 19.83% | 18.37% | 17.33% | 16.94% | 7.85% | -1,198 bps | |
| Loan Growth (YoY) | 17.90% | 19.49% | 5.73% | 2.30% | -2.67% | -5.53% | 2.08% | 2.99% | +69 bps | |
| Share Growth (YoY) | 14.82% | 14.96% | 12.44% | 21.63% | 18.97% | 17.42% | 16.84% | 4.98% | -1,665 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.85% | 0.85% | 1.18% | 0.87% | 0.71% | 0.85% | 0.95% | -24 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 | 1.56% | 1.81% | 1.84% | 1.54% | 1.54% | 1.35% | 1.35% | 1.23% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.41% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 8.41% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.56% | 82.78% | 75.06% | 70.01% | 65.90% | 66.60% | 65.57% | 68.68% | -133 bps | |
| Liquid Assets / Assets | 14.16% | 13.61% | 22.61% | 23.65% | 25.23% | 5.84% | 14.22% | 31.11% | +747 bps | |