Tampa, FL · Cert 16502
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.45% | 1.86% | 1.76% | 1.98% | 2.03% | 2.12% | 2.12% | -0.95% | -294 bps | |
| Return on Equity | n/a | 14.41% | 13.25% | 14.79% | 15.83% | 16.33% | 15.40% | -7.02% | -2,181 bps | |
| Net Interest Margin | 4.76% | 4.08% | 4.14% | 4.32% | 4.40% | 4.34% | 4.33% | 3.99% | -33 bps | |
| Efficiency Ratio | 45.21% | 50.69% | 50.77% | 48.80% | 46.79% | 44.53% | 43.54% | 106.69% | +5,790 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.76% | 1.74% | 1.71% | 1.56% | 1.49% | 4.33% | +260 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.25% | -0.49% | -1.55% | 0.52% | 7.40% | 7.40% | 8.80% | 11.12% | +1,059 bps | |
| Loan Growth (YoY) | -2.39% | -3.00% | 0.36% | 5.72% | 8.15% | 12.99% | 11.30% | 2.20% | -352 bps | |
| Deposit Growth (YoY) | -0.99% | -2.13% | 0.46% | 1.42% | 12.79% | 11.27% | 11.23% | 11.16% | +974 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.84% | 0.31% | 0.92% | 0.01% | -0.05% | -0.02% | 0.79% | -13 bps | |
| Allowance / Loans | 1.75% | 1.56% | 1.46% | 1.21% | 1.20% | 1.19% | 1.21% | 1.06% | -15 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.23% | 21.03% | 21.23% | 21.11% | 21.14% | 21.26% | 22.03% | 21.26% | +15 bps | |
| Equity / Assets | 12.78% | 13.00% | 13.63% | 13.18% | 12.53% | 13.38% | 14.20% | 13.02% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.28% | 60.04% | 61.99% | 62.68% | 58.76% | 60.97% | 62.03% | 57.63% | -505 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |