Orange Park, FL · Cert 34844
FDIC
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.
Orange Park, FL · Cert 34844
FDIC
Q4 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
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 | 1.39% | 0.62% | 0.81% | 0.55% | 1.36% | 1.29% | 1.28% | 0.09% | -46 bps | |
| Return on Equity | 16.43% | 6.17% | 7.68% | 5.07% | 12.00% | 11.40% | 11.34% | 0.69% | -438 bps | |
| Net Interest Margin | 4.62% | 2.43% | 3.22% | 3.62% | 4.42% | 4.48% | 4.51% | 1.01% | -261 bps | |
| Efficiency Ratio | 59.38% | 63.48% | 57.00% | 56.87% | 49.65% | 52.82% | 53.36% | 16.93% | -3,994 bps | |
| Non-Interest Burden | 2.55% | 1.46% | 1.86% | 2.08% | 2.16% | 2.36% | 2.41% | 0.08% | -200 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.55% | 22.61% | 24.43% | 31.06% | 25.51% | 20.45% | 17.59% | 27.33% | -373 bps | |
| Loan Growth (YoY) | 28.80% | 27.66% | 23.00% | 27.10% | 25.48% | 25.15% | 19.22% | 15.19% | -1,191 bps | |
| Deposit Growth (YoY) | 32.14% | 20.90% | 23.62% | 31.48% | 23.48% | 19.16% | 21.62% | 19.83% | -1,166 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.49% | 0.00% | -0.01% | 0.10% | 0.83% | +34 bps | |
| Allowance / Loans | 1.44% | 1.37% | 1.35% | 1.49% | 1.44% | 1.38% | 1.31% | 1.62% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 10.56% | 12.74% | 11.93% | 11.19% | 11.18% | 11.25% | 11.53% | 11.25% | +6 bps | |
| Equity / Assets | 8.32% | 12.68% | 12.25% | 11.39% | 11.24% | 11.23% | 11.16% | 17.01% | +563 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.38% | 97.46% | 98.61% | 94.84% | 94.89% | 102.35% | 96.67% | 91.17% | -367 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.55% | 0.54% | 0.47% | +47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |