Gainesville, FL · Charter 67320
Q4 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2009, the quarter ended December 31, 2009, 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.
Gainesville, FL · Charter 67320
Q4 2009
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 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.17% | -0.11% | 0.34% | 0.56% | 0.44% | 1.84% | 1.33% | -6.45% | -701 bps | |
| Return on Equity | -1.14% | -0.75% | 2.25% | 3.45% | 3.05% | 12.03% | 8.67% | -81.44% | -8,488 bps | |
| Net Interest Margin | 4.81% | 4.96% | 4.96% | 5.31% | 5.16% | 5.27% | 5.22% | 2.94% | -238 bps | |
| Efficiency Ratio | 97.62% | 95.38% | 89.64% | 87.51% | 88.60% | 74.56% | 77.55% | 184.07% | +9,655 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.24% | -1.58% | 1.91% | -1.67% | 5.29% | 3.34% | 2.24% | 7.18% | +885 bps | |
| Loan Growth (YoY) | 12.29% | 3.20% | -0.40% | 1.53% | -7.40% | -5.29% | -7.60% | -11.54% | -1,307 bps | |
| Share Growth (YoY) | -9.16% | -2.17% | 2.41% | -3.11% | 6.76% | 3.25% | 1.61% | 11.10% | +1,421 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.41% | 0.36% | 0.45% | 0.38% | 0.78% | 1.40% | 2.40% | 4.09% | +371 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 | 0.72% | 0.90% | 1.06% | 1.06% | 1.16% | 1.31% | 1.07% | 3.34% | +228 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.29% | 15.09% | 15.15% | 16.23% | 14.43% | 15.33% | 15.32% | 7.93% | -831 bps | |
| Net Worth / Assets | 15.29% | 15.09% | 15.15% | 16.23% | 14.43% | 15.33% | 15.32% | 7.93% | -831 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.65% | 62.29% | 60.24% | 64.91% | 54.34% | 57.14% | 54.78% | 51.69% | -1,322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |