Gainesville, FL · Charter 60478
Q4 2000
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 1999 | Q2 1999 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 0.27% | -1.17% | -1.53% | -1.42% | -0.98% | -0.35% | 0.10% | +163 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 0.82% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 4.92% | 4.94% | 4.72% | 4.62% | 5.06% | 4.30% | -64 bps | |
| Efficiency Ratio | n/a | n/a | 106.27% | 107.63% | 109.22% | 107.30% | 101.08% | 96.88% | -1,075 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.57% | 4.17% | 5.37% | -2.42% | -1.93% | 14.33% | -0.23% | 8.86% | +1,128 bps | |
| Loan Growth (YoY) | -21.40% | -22.77% | -17.41% | -6.49% | -4.22% | 8.28% | 9.78% | -0.18% | +630 bps | |
| Share Growth (YoY) | 3.35% | 6.38% | 6.93% | -1.53% | -0.73% | 17.34% | 0.63% | 11.39% | +1,292 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.92% | 1.03% | 0.90% | 0.28% | 0.61% | 0.76% | 0.53% | -37 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 | 2.29% | 2.47% | 2.76% | 2.48% | 2.41% | 2.42% | 2.65% | 2.49% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.65% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.65% | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.68% | 41.37% | 37.97% | 45.70% | 40.22% | 38.18% | 41.43% | 40.95% | -475 bps | |
| Liquid Assets / Assets | 57.85% | 53.46% | 57.68% | 41.92% | 25.76% | 27.06% | 37.41% | 50.21% | +828 bps | |