Tallahassee, FL · Charter 60094
Q2 2007
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 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 0.96% | 0.88% | 0.90% | 0.93% | 0.67% | 0.35% | 0.23% | -67 bps | |
| Return on Equity | 10.53% | 8.40% | 7.69% | 7.25% | 7.22% | 5.23% | 2.83% | 1.92% | -533 bps | |
| Net Interest Margin | 5.43% | 5.45% | 4.92% | 5.25% | 5.26% | 5.13% | 4.30% | 4.22% | -104 bps | |
| Efficiency Ratio | 74.44% | 74.44% | 78.13% | 80.41% | 79.40% | 81.85% | 84.55% | 87.76% | +736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.44% | -14.82% | -10.33% | -8.68% | -7.62% | -6.00% | -1.92% | 4.75% | +1,344 bps | |
| Loan Growth (YoY) | -3.22% | -6.59% | -6.04% | -4.75% | -2.55% | 1.66% | 5.91% | 7.91% | +1,266 bps | |
| Share Growth (YoY) | -18.17% | -17.27% | -12.37% | -10.50% | -9.23% | -7.60% | -3.03% | 4.74% | +1,524 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.65% | 0.72% | 0.39% | 0.56% | 0.50% | 0.72% | 0.35% | -5 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 | 1.24% | 1.39% | 1.34% | 1.28% | 1.35% | 1.27% | 1.23% | 1.10% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 11.44% | 11.48% | 12.47% | 12.88% | 12.78% | 12.20% | 12.22% | -25 bps | |
| Net Worth / Assets | 11.24% | 11.44% | 11.48% | 12.47% | 12.88% | 12.78% | 12.20% | 12.22% | -25 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 93.52% | 92.02% | 88.80% | 96.49% | 100.40% | 101.24% | 96.99% | 99.41% | +292 bps | |
| Liquid Assets / Assets | 10.16% | 12.02% | 16.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |