PackageTrendsPeer
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Sun Bank West Florida

Pensacola, FL · Cert 146

FDIC

Q4 1999

$1.2BAssets
$900.2MLoans
$899.5MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.25%, down 35 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 100.08% of deposits as of Q4 1999.

Return on Assets (YTD, annualized)

1.25%-35 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999Q2 1999Q3 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets1.38%1.34%1.32%1.60%1.24%1.22%1.28%1.25%-35 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.38%0.17%-4.91%4.97%7.23%3.65%111.31%97.09%+9,212 bps
Loan Growth (YoY)5.83%2.98%0.26%1.34%3.97%8.18%113.96%107.00%+10,566 bps
Deposit Growth (YoY)-3.63%-0.45%-0.88%7.85%9.97%5.25%110.66%96.64%+8,879 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits102.04%100.33%99.37%95.08%96.47%103.12%100.93%100.08%+501 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a