Tallahassee, FL · Charter 67629
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.72% | 0.77% | 0.76% | 0.46% | 0.54% | 0.54% | -3.52% | -427 bps | |
| Return on Equity | 3.95% | 4.66% | 4.86% | 4.59% | 2.87% | 3.34% | 3.18% | -25.08% | -2,967 bps | |
| Net Interest Margin | 3.43% | 3.55% | 3.66% | 3.75% | 3.47% | 3.54% | 3.68% | 3.92% | +17 bps | |
| Efficiency Ratio | 81.67% | 80.25% | 80.16% | 81.50% | 86.89% | 86.60% | 87.65% | 158.72% | +7,722 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.26% | 1.16% | -2.15% | -2.66% | -0.38% | -0.73% | -2.54% | -6.20% | -354 bps | |
| Loan Growth (YoY) | 6.51% | 6.84% | 7.79% | 11.81% | 11.28% | 11.96% | 14.57% | 7.63% | -418 bps | |
| Share Growth (YoY) | -0.36% | 1.06% | -3.03% | -3.92% | -1.13% | -1.67% | -3.83% | -3.76% | +15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.49% | 0.27% | 0.11% | 0.15% | 0.13% | 0.09% | 0.28% | 0.49% | +34 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 | 0.20% | 0.27% | 0.21% | 0.22% | 0.26% | 0.22% | 0.18% | 0.87% | +65 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.20% | 15.54% | 15.91% | 16.46% | 15.95% | 16.30% | 16.89% | 14.03% | -243 bps | |
| Net Worth / Assets | 15.20% | 15.54% | 15.91% | 16.46% | 15.95% | 16.30% | 16.89% | 14.03% | -243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.83% | 76.13% | 79.44% | 86.16% | 81.97% | 86.68% | 94.63% | 96.36% | +1,020 bps | |
| Liquid Assets / Assets | 34.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |