Bartow, FL · Charter 67321
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.11% | 1.36% | 0.97% | 0.73% | 1.06% | -1.56% | -1.06% | -2.75% | -348 bps | |
| Return on Equity | 17.75% | 10.67% | 7.67% | 5.68% | 8.10% | -12.21% | -8.34% | -22.74% | -2,842 bps | |
| Net Interest Margin | 4.20% | 3.88% | 3.59% | 3.41% | 4.51% | 4.47% | 4.69% | 5.25% | +183 bps | |
| Efficiency Ratio | 63.04% | 70.38% | 77.33% | 81.78% | 73.35% | 69.28% | 69.61% | 73.03% | -875 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | -7.92% | -7.90% | -5.80% | -6.47% | -5.74% | -7.42% | -13.65% | -785 bps | |
| Loan Growth (YoY) | 15.82% | 11.10% | 6.23% | 2.42% | -1.83% | -10.30% | -15.09% | -17.21% | -1,964 bps | |
| Share Growth (YoY) | -6.14% | -11.59% | -15.11% | -12.04% | -7.80% | -4.05% | -1.90% | -8.22% | +382 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.91% | 0.65% | 2.45% | 2.83% | 2.22% | 1.75% | 0.55% | 2.78% | -5 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 | 0.73% | 0.67% | 0.65% | 0.64% | 0.71% | 0.18% | 0.38% | 2.86% | +222 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.88% | 12.80% | 12.59% | 12.86% | 13.14% | 12.77% | 12.66% | 12.09% | -77 bps | |
| Net Worth / Assets | 11.88% | 12.80% | 12.59% | 12.86% | 13.14% | 12.77% | 12.66% | 12.09% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.84% | 101.18% | 104.68% | 104.89% | 96.72% | 94.59% | 90.61% | 94.61% | -1,028 bps | |
| Liquid Assets / Assets | 15.44% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |