Jacksonville, FL · Charter 18506
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Jacksonville, FL · Charter 18506
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | -0.06% | 0.18% | -0.62% | 0.13% | 0.02% | -0.14% | -0.92% | -30 bps | |
| Return on Equity | -0.24% | -0.35% | 0.90% | -3.19% | 0.67% | 0.11% | -0.64% | -4.28% | -108 bps | |
| Net Interest Margin | 5.63% | 5.56% | 6.84% | 5.88% | 5.75% | 5.80% | 6.84% | 6.25% | +36 bps | |
| Efficiency Ratio | 100.64% | 100.96% | 97.57% | 109.54% | 98.07% | 99.69% | 100.48% | 112.60% | +306 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.16% | -6.16% | -16.24% | -16.75% | -14.80% | -13.20% | -10.44% | -10.76% | +599 bps | |
| Loan Growth (YoY) | 0.94% | -1.86% | 9.79% | 1.25% | -1.44% | 0.60% | -7.70% | -9.01% | -1,026 bps | |
| Share Growth (YoY) | -5.15% | -7.36% | -19.73% | -20.08% | -18.07% | -15.91% | -12.97% | -13.22% | +686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 1.13% | 1.71% | 0.62% | 0.91% | 0.00% | 1.70% | 0.86% | +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 | 1.52% | 1.77% | 1.66% | 1.52% | 1.27% | 0.40% | 0.66% | 0.78% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.50% | 16.41% | 20.07% | 19.47% | 19.64% | 19.15% | 22.26% | 21.62% | +215 bps | |
| Net Worth / Assets | 16.50% | 16.41% | 20.07% | 19.47% | 19.64% | 19.15% | 22.26% | 21.62% | +215 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.78% | 64.52% | 87.60% | 79.99% | 81.53% | 77.18% | 92.91% | 83.87% | +388 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |