Ocala, FL · Charter 23337
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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.
Ocala, FL · Charter 23337
Q1 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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.13% | 0.21% | 0.30% | -0.11% | -0.18% | 0.05% | 0.16% | 0.47% | +58 bps | |
| Return on Equity | 1.12% | 1.88% | 2.73% | -0.99% | -1.58% | 0.43% | 1.44% | 4.34% | +532 bps | |
| Net Interest Margin | 2.38% | 2.39% | 2.39% | 2.80% | 2.89% | 2.89% | 3.16% | 3.13% | +32 bps | |
| Efficiency Ratio | 93.39% | 91.50% | 89.98% | 102.61% | 103.45% | 98.58% | 95.80% | 86.38% | -1,623 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.33% | 2.75% | 8.29% | 4.38% | 2.84% | 5.48% | -3.81% | 3.08% | -130 bps | |
| Loan Growth (YoY) | 7.01% | 21.60% | 17.51% | 25.72% | 30.00% | 21.55% | 26.10% | 27.35% | +163 bps | |
| Share Growth (YoY) | 3.74% | 1.23% | 14.78% | 4.60% | 3.88% | 7.88% | -3.66% | 4.44% | -16 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.05% | 0.35% | 0.33% | 0.31% | 0.11% | 0.59% | 0.30% | -3 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 | 0.52% | 0.52% | 0.51% | 0.44% | 0.42% | 0.40% | 0.34% | 0.20% | -23 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.47% | 11.36% | 11.08% | 10.94% | 11.07% | 10.67% | 11.43% | 10.87% | -7 bps | |
| Net Worth / Assets | 11.47% | 11.36% | 11.08% | 10.94% | 11.07% | 10.67% | 11.43% | 10.87% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.68% | 58.04% | 56.24% | 60.04% | 64.67% | 65.39% | 73.61% | 73.21% | +1,317 bps | |
| Liquid Assets / Assets | 44.60% | 39.94% | 41.91% | 38.48% | 32.95% | 33.75% | 26.47% | 27.53% | -1,095 bps | |