Jacksonville, FL · Charter 24625
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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 24625
Q4 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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.24% | -0.59% | 3.66% | 4.36% | -117.09% | -33.42% | -39.23% | -40.47% | -4,483 bps | |
| Return on Equity | -81.78% | -4.28% | 22.11% | 23.72% | n/a | -1146% | n/a | n/a | n/a | |
| Net Interest Margin | 6.64% | 6.49% | 8.05% | 9.03% | 1.21% | 0.39% | 2.93% | 3.05% | -598 bps | |
| Efficiency Ratio | 142.20% | 67.75% | 47.30% | 48.38% | 115.46% | 23.98% | 29.79% | 46.97% | -140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.74% | -24.64% | -22.68% | 2.91% | -15.99% | -5.32% | -23.58% | -24.36% | -2,728 bps | |
| Loan Growth (YoY) | 118.45% | 226% | 108.05% | 48.41% | -11.37% | -30.93% | -40.71% | -56.33% | -10,474 bps | |
| Share Growth (YoY) | 2.18% | -28.22% | -29.55% | -3.34% | 2.55% | 7.78% | -2.11% | 9.19% | +1,254 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 12.68% | 18.38% | 27.86% | 13.80% | 4.84% | 31.32% | 9.29% | 17.69% | +389 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 | 1.34% | 1.84% | 3.05% | 3.23% | 17.79% | 14.61% | 22.06% | 29.11% | +2,588 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.29% | 13.72% | 16.58% | 18.40% | -7.30% | 2.91% | -5.44% | -15.87% | -3,427 bps | |
| Net Worth / Assets | 11.29% | 13.72% | 16.58% | 18.40% | -7.30% | 2.91% | -5.44% | -15.87% | -3,427 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.11% | 74.60% | 80.18% | 78.71% | 51.95% | 47.81% | 48.56% | 31.48% | -4,723 bps | |
| Liquid Assets / Assets | 37.32% | 31.36% | 30.03% | 11.87% | 38.36% | 57.65% | 56.58% | 67.24% | +5,537 bps | |