Winter Haven, FL · Charter 23316
Q2 2005
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.21% | -0.24% | 0.07% | 0.58% | 0.76% | 0.85% | 1.16% | 1.02% | +43 bps | |
| Return on Equity | -1.57% | -1.72% | 0.55% | 4.47% | 6.43% | 6.57% | 10.16% | 7.57% | +310 bps | |
| Net Interest Margin | 2.87% | 3.01% | 3.00% | 3.07% | 2.74% | 2.99% | 2.71% | 3.04% | -3 bps | |
| Efficiency Ratio | 104.00% | 102.98% | 96.99% | 89.95% | 86.16% | 85.90% | 79.79% | 84.44% | -551 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.01% | 8.32% | 9.04% | 2.53% | 18.80% | 13.16% | 22.32% | 5.18% | +265 bps | |
| Loan Growth (YoY) | -23.17% | -15.68% | -12.31% | -8.18% | 3.14% | 7.60% | 17.13% | 26.99% | +3,518 bps | |
| Share Growth (YoY) | 12.91% | 9.77% | 10.17% | 1.96% | 19.90% | 13.48% | 23.52% | 4.62% | +266 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.93% | 0.13% | 0.00% | 0.47% | 0.37% | 0.03% | 0.12% | 0.07% | -40 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 | 0.85% | 0.85% | 0.93% | 1.08% | 1.16% | 1.09% | 1.05% | 0.99% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.30% | 13.74% | 12.76% | 13.03% | 11.79% | 13.00% | 11.44% | 13.43% | +40 bps | |
| Net Worth / Assets | 13.30% | 13.74% | 12.76% | 13.03% | 11.79% | 13.00% | 11.44% | 13.43% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.95% | 45.47% | 39.56% | 38.11% | 36.09% | 43.12% | 37.51% | 46.26% | +815 bps | |
| Liquid Assets / Assets | 60.78% | 45.62% | 43.28% | 38.56% | 33.98% | 23.90% | 33.52% | 15.51% | -2,305 bps | |