Jacksonville, FL · Charter 67295
Q4 2006
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 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.43% | 0.43% | 0.45% | 0.26% | 0.45% | 0.53% | -0.18% | -63 bps | |
| Return on Equity | 4.99% | 3.58% | 3.44% | 3.48% | 2.04% | 3.42% | 3.90% | -1.40% | -488 bps | |
| Net Interest Margin | 2.53% | 2.74% | 2.84% | 2.90% | 2.95% | 3.05% | 3.12% | 3.20% | +30 bps | |
| Efficiency Ratio | 94.82% | 90.63% | 87.73% | 86.49% | 85.85% | 84.59% | 83.36% | 95.23% | +874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.25% | -4.77% | -5.37% | -7.43% | -7.61% | -4.82% | -3.49% | -2.67% | +476 bps | |
| Loan Growth (YoY) | -19.41% | -9.51% | -7.08% | 6.94% | 6.23% | -5.50% | -4.67% | -3.96% | -1,090 bps | |
| Share Growth (YoY) | -3.96% | -6.85% | -7.77% | -8.64% | -8.97% | -5.96% | -4.73% | -3.49% | +516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.32% | 0.73% | 0.70% | 0.63% | 0.82% | 0.96% | 0.82% | +12 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 | 0.82% | 0.68% | 0.62% | 0.46% | 0.47% | 0.43% | 0.41% | 0.44% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.41% | 12.03% | 12.38% | 12.78% | 12.71% | 13.09% | 13.54% | 13.14% | +37 bps | |
| Net Worth / Assets | 11.41% | 12.03% | 12.38% | 12.78% | 12.71% | 13.09% | 13.54% | 13.14% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.41% | 82.58% | 85.99% | 84.79% | 82.18% | 82.97% | 86.04% | 84.37% | -42 bps | |
| Liquid Assets / Assets | 22.58% | 13.39% | 12.57% | 15.42% | 17.37% | 0.00% | 0.00% | 0.00% | -1,542 bps | |