White Springs, FL · Charter 20154
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
White Springs, FL · Charter 20154
Q4 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.79% | 1.24% | 1.16% | 0.84% | -7.23% | -11.82% | -8.29% | -9.48% | -1,032 bps | |
| Return on Equity | -43.41% | 22.26% | 19.98% | 14.41% | -183.89% | -3020% | n/a | n/a | n/a | |
| Net Interest Margin | 4.78% | 5.50% | 5.68% | 5.78% | 5.18% | 4.57% | 5.85% | 5.96% | +19 bps | |
| Efficiency Ratio | 101.16% | 81.59% | 77.15% | 74.68% | 76.62% | 78.51% | 60.43% | 64.72% | -996 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.50% | 40.79% | 34.06% | 22.29% | 30.68% | -4.89% | -12.55% | -15.93% | -3,822 bps | |
| Loan Growth (YoY) | 2.70% | 41.00% | 46.73% | 58.23% | 26.62% | -11.92% | -23.14% | -29.12% | -8,734 bps | |
| Share Growth (YoY) | 12.68% | 45.57% | 36.57% | 26.33% | 34.06% | -0.48% | -5.83% | -7.12% | -3,345 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.63% | 5.27% | 7.60% | 10.55% | 9.56% | 8.74% | 6.72% | 6.84% | -370 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 | 3.75% | 1.63% | 1.49% | 1.60% | 1.77% | 4.23% | 5.42% | 6.30% | +470 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.42% | 5.57% | 5.81% | 5.82% | 3.93% | 0.39% | -1.55% | -4.58% | -1,040 bps | |
| Net Worth / Assets | 6.42% | 5.57% | 5.81% | 5.82% | 3.93% | 0.39% | -1.55% | -4.58% | -1,040 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.48% | 91.16% | 91.93% | 88.32% | 78.85% | 80.68% | 75.03% | 67.40% | -2,092 bps | |
| Liquid Assets / Assets | 13.39% | 7.32% | 6.24% | 7.65% | 18.27% | 14.96% | 19.83% | 24.03% | +1,638 bps | |