De Land, FL · Charter 61275
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
De Land, FL · Charter 61275
Q3 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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.35% | 0.65% | 0.76% | 0.99% | 1.02% | 0.86% | 1.09% | 1.00% | +1 bps | |
| Return on Equity | 9.02% | 4.33% | 5.06% | 6.82% | 6.98% | 5.75% | 6.98% | 6.40% | -42 bps | |
| Net Interest Margin | 3.29% | 3.29% | 3.44% | 3.48% | 3.59% | 4.07% | 4.31% | 4.18% | +70 bps | |
| Efficiency Ratio | 63.33% | 82.14% | 80.31% | 74.75% | 74.79% | 63.08% | 64.70% | 66.06% | -868 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.38% | 4.31% | 5.77% | 9.93% | 10.02% | 8.15% | 4.16% | -0.04% | -997 bps | |
| Loan Growth (YoY) | -2.27% | -4.29% | 38.29% | 67.98% | 60.97% | 67.61% | 18.53% | -3.23% | -7,121 bps | |
| Share Growth (YoY) | 7.05% | 3.58% | 5.46% | 12.04% | 10.42% | 10.42% | 3.70% | -2.70% | -1,474 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.40% | 2.89% | 0.56% | 0.70% | 0.61% | 0.42% | 1.08% | 0.59% | -11 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 | 1.53% | 1.52% | 1.12% | 0.77% | 0.37% | 0.70% | 0.74% | 1.20% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.99% | 14.92% | 15.03% | 14.54% | 14.65% | 14.88% | 15.67% | 15.58% | +105 bps | |
| Net Worth / Assets | 14.99% | 14.92% | 15.03% | 14.54% | 14.65% | 14.88% | 15.67% | 15.58% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.84% | 26.16% | 35.43% | 38.75% | 40.58% | 39.70% | 40.50% | 38.54% | -21 bps | |
| Liquid Assets / Assets | 12.60% | 42.63% | 27.68% | 31.84% | 34.74% | 33.05% | 64.19% | 32.04% | +20 bps | |