Palatka, FL · Charter 19547
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Palatka, FL · Charter 19547
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | -0.77% | -1.50% | -0.39% | 0.49% | -1.29% | -3.34% | -2.92% | -253 bps | |
| Return on Equity | 3.17% | -7.14% | -15.81% | -4.17% | 5.11% | -15.52% | -42.53% | -44.80% | -4,062 bps | |
| Net Interest Margin | 3.75% | 3.95% | 3.17% | 3.15% | 3.35% | 3.42% | 3.79% | 3.91% | +76 bps | |
| Efficiency Ratio | 85.09% | 87.39% | 89.29% | 87.28% | 76.32% | 79.91% | 89.49% | 90.84% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.58% | 2.95% | 2.27% | 5.28% | 2.49% | 5.85% | -10.96% | -15.61% | -2,089 bps | |
| Loan Growth (YoY) | 7.15% | 2.10% | -4.01% | -2.97% | -5.94% | -7.29% | -6.74% | -9.79% | -682 bps | |
| Share Growth (YoY) | 8.15% | 3.95% | 3.71% | 6.47% | 6.53% | 9.45% | -8.96% | -12.56% | -1,903 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.99% | 4.10% | 4.19% | 5.41% | 4.83% | 5.10% | 3.87% | 3.55% | -186 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 | 0.86% | 1.51% | 1.58% | 1.63% | 1.73% | 2.94% | 3.70% | 4.31% | +268 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.25% | 10.84% | 9.46% | 9.29% | 9.69% | 8.30% | 7.85% | 6.51% | -278 bps | |
| Net Worth / Assets | 11.25% | 10.84% | 9.46% | 9.29% | 9.69% | 8.30% | 7.85% | 6.51% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.06% | 86.35% | 74.27% | 72.59% | 74.22% | 73.15% | 76.08% | 74.89% | +230 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |