Orange Park, FL · Cert 34844
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 1.36% | 1.22% | 1.26% | -3.07% | -291 bps | |
| Return on Equity | -1.36% | 12.00% | 10.84% | 11.22% | -21.44% | -2,008 bps | |
| Net Interest Margin | 5.12% | 4.42% | 4.59% | 4.76% | -74.15% | -7,927 bps | |
| Efficiency Ratio | 56.63% | 49.65% | 55.87% | 54.38% | 16.93% | -3,970 bps | |
| Non-Interest Burden | 2.92% | 2.16% | 2.58% | 2.61% | -41.45% | -4,436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 31.06% | 25.51% | 20.45% | 17.59% | 27.33% | -373 bps | |
| Loan Growth (YoY) | 27.10% | 25.48% | 25.15% | 19.22% | 15.19% | -1,191 bps | |
| Deposit Growth (YoY) | 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 bps | |
| Net Charge-Offs / Loans | 1.96% | 0.00% | -0.03% | 0.32% | 3.05% | +109 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 11.19% | 11.18% | 11.25% | 11.53% | 11.25% | +6 bps | |
| Equity / Assets | 11.39% | 11.24% | 11.23% | 11.16% | 17.01% | +563 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 94.84% | 94.89% | 102.35% | 96.67% | 91.17% | -367 bps | |
| Liquid Assets / Assets | 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 |