Winter Haven, FL · Charter 15626
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 | 0.49% | 0.51% | 0.61% | 0.73% | 0.65% | 0.87% | 0.42% | 0.27% | -46 bps | |
| Return on Equity | 4.88% | 5.03% | 5.79% | 6.47% | 5.53% | 6.96% | 3.25% | 2.03% | -444 bps | |
| Net Interest Margin | 0.75% | 0.67% | 0.82% | 0.97% | 0.84% | 0.95% | 0.72% | 0.59% | -38 bps | |
| Efficiency Ratio | 24.20% | 24.57% | 21.90% | 19.96% | 21.92% | 17.30% | 29.65% | 38.98% | +1,902 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.50% | 0.14% | -3.70% | -8.03% | -10.12% | -13.87% | -15.12% | -12.60% | -456 bps | |
| Loan Growth (YoY) | -8.30% | -6.96% | -0.30% | 4.15% | 4.88% | 6.10% | 3.72% | 5.79% | +165 bps | |
| Share Growth (YoY) | -1.09% | -0.43% | -4.75% | -9.64% | -11.94% | -16.33% | -17.77% | -14.07% | -443 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.36% | 0.32% | 0.34% | 0.38% | 0.39% | 0.09% | 0.06% | -28 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 | 0.64% | 0.50% | 0.48% | 0.61% | 0.43% | 0.24% | 0.37% | 0.42% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.93% | 10.08% | 10.50% | 11.23% | 11.70% | 12.49% | 12.93% | 13.14% | +191 bps | |
| Net Worth / Assets | 9.93% | 10.08% | 10.50% | 11.23% | 11.70% | 12.49% | 12.93% | 13.14% | +191 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.14% | 21.23% | 22.48% | 23.94% | 25.18% | 26.93% | 28.36% | 29.47% | +553 bps | |
| Liquid Assets / Assets | 41.89% | 45.95% | 45.19% | 44.96% | 43.86% | 41.59% | 0.00% | 0.00% | -4,496 bps | |