Ocala, FL · Charter 67303
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Ocala, FL · Charter 67303
Q2 2003
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.05% | 2.47% | 2.10% | 1.65% | -5.13% | -4.03% | -2.67% | -477 bps | |
| Return on Equity | 9.72% | 9.86% | 24.37% | 21.72% | 20.81% | -358% | -4903% | -990% | -101,153 bps | |
| Net Interest Margin | 4.68% | 4.50% | 5.21% | 5.20% | 4.28% | 4.46% | 5.26% | 5.48% | +28 bps | |
| Efficiency Ratio | 63.38% | 62.10% | 50.53% | 47.03% | 44.75% | 43.59% | 41.54% | 40.58% | -645 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.46% | 27.97% | 34.60% | 36.00% | 70.33% | 62.19% | 37.21% | 17.61% | -1,839 bps | |
| Loan Growth (YoY) | 37.17% | 37.92% | 49.02% | 62.11% | 75.76% | 51.14% | 21.64% | -6.84% | -6,894 bps | |
| Share Growth (YoY) | 20.86% | 30.23% | 37.22% | 38.29% | 76.11% | 79.10% | 52.58% | 29.68% | -861 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.41% | 0.31% | 0.57% | 0.66% | 5.66% | 3.97% | 3.11% | +254 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 | 1.07% | 1.05% | 0.97% | 0.97% | 0.99% | 9.85% | 11.66% | 10.05% | +908 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.03% | 10.64% | 10.15% | 9.68% | 7.91% | 1.43% | 0.08% | 0.27% | -941 bps | |
| Net Worth / Assets | 11.03% | 10.64% | 10.15% | 9.68% | 7.91% | 1.43% | 0.08% | 0.27% | -941 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.25% | 90.87% | 93.65% | 98.19% | 86.08% | 76.69% | 74.66% | 70.54% | -2,765 bps | |
| Liquid Assets / Assets | 15.50% | 15.86% | 13.70% | 8.56% | 18.94% | 29.16% | 30.34% | 32.97% | +2,441 bps | |