Tallahassee, FL · Charter 67331
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.14% | 0.39% | 0.47% | 0.59% | 0.52% | 0.19% | -1.12% | -159 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.23% | 1.54% | -9.13% | n/a | |
| Net Interest Margin | 3.74% | 3.67% | 3.81% | 4.22% | 4.30% | 4.26% | 3.77% | 3.61% | -61 bps | |
| Efficiency Ratio | 96.57% | 96.78% | 91.26% | 90.58% | 88.35% | 89.73% | 95.89% | 122.66% | +3,208 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.09% | 3.61% | 0.64% | -8.72% | -11.94% | -14.72% | -14.61% | -9.44% | -72 bps | |
| Loan Growth (YoY) | -8.38% | -4.78% | -0.03% | -1.50% | -3.65% | -7.04% | -16.88% | -23.43% | -2,193 bps | |
| Share Growth (YoY) | 1.57% | 3.35% | -0.53% | -9.32% | -13.44% | -16.94% | -15.40% | -9.87% | -56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.42% | 0.34% | 0.35% | 0.63% | 0.98% | 1.03% | 0.42% | +7 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 | 0.92% | 0.93% | 0.92% | 0.90% | 0.95% | 0.97% | 1.07% | 0.93% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.23% | 12.51% | 12.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.23% | 12.51% | 12.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.89% | 48.31% | 51.23% | 54.26% | 55.53% | 54.07% | 50.33% | 46.10% | -816 bps | |
| Liquid Assets / Assets | 41.95% | 41.02% | 40.32% | 35.56% | 33.50% | 47.27% | 50.19% | 48.27% | +1,271 bps | |