Starke, FL · Charter 67315
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Starke, FL · Charter 67315
Q3 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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.35% | 0.19% | 0.26% | 0.27% | 0.22% | 0.38% | 0.26% | 0 bps | |
| Return on Equity | 3.11% | 2.19% | 1.19% | 1.62% | 1.56% | 1.34% | 2.20% | 1.46% | -16 bps | |
| Net Interest Margin | 4.47% | 4.34% | 4.16% | 4.34% | 4.56% | 3.95% | 4.11% | 4.18% | -16 bps | |
| Efficiency Ratio | 90.71% | 92.79% | 89.98% | 89.93% | 91.16% | 100.78% | 94.64% | 97.60% | +767 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.02% | -2.49% | -1.96% | -6.90% | -10.63% | -3.57% | -8.70% | -7.37% | -47 bps | |
| Loan Growth (YoY) | -5.94% | -11.53% | -9.27% | -3.99% | -3.40% | 1.47% | 3.48% | -0.93% | +306 bps | |
| Share Growth (YoY) | -1.65% | -3.24% | -2.34% | -8.37% | -12.66% | -4.35% | -14.80% | -11.98% | -362 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.06% | 3.08% | 2.30% | 0.98% | 1.87% | 3.23% | 2.78% | 2.49% | +152 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 | 2.01% | 2.00% | 2.10% | 1.80% | 1.94% | 1.74% | 1.69% | 1.62% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.38% | 16.10% | 15.62% | 16.22% | 17.28% | 16.72% | 17.26% | 17.77% | +154 bps | |
| Net Worth / Assets | 15.38% | 16.10% | 15.62% | 16.22% | 17.28% | 16.72% | 17.26% | 17.77% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.11% | 44.65% | 44.50% | 48.17% | 48.79% | 47.37% | 54.05% | 54.22% | +605 bps | |
| Liquid Assets / Assets | 24.42% | 22.54% | 21.06% | 14.65% | 19.38% | 21.57% | 0.00% | 0.00% | -1,465 bps | |