Groveland, FL · Cert 16845
FDIC
Q1 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.22% | 1.21% | 1.13% | 0.85% | 0.91% | 0.90% | 1.35% | +22 bps | |
| Return on Equity | 17.36% | 16.27% | 16.22% | 15.26% | 11.52% | 12.40% | 12.35% | 18.99% | +373 bps | |
| Net Interest Margin | 4.36% | 4.20% | 3.98% | 3.61% | 3.58% | 3.54% | 3.51% | 3.84% | +23 bps | |
| Efficiency Ratio | 55.45% | 54.54% | 54.38% | 61.66% | 64.56% | 64.82% | 63.32% | 53.24% | -842 bps | |
| Non-Interest Burden | 2.03% | 1.90% | 1.78% | 1.91% | 2.06% | 2.02% | 1.94% | 1.72% | -19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.83% | 15.42% | 14.02% | 11.21% | 11.01% | 4.83% | 8.99% | 7.53% | -369 bps | |
| Loan Growth (YoY) | -3.36% | 1.12% | -1.14% | 4.08% | 5.40% | 0.61% | 7.29% | 5.61% | +153 bps | |
| Deposit Growth (YoY) | 4.34% | 12.78% | 14.91% | 12.53% | 11.63% | 5.34% | 5.16% | 5.74% | -679 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 | 0.47% | 0.30% | 0.49% | 0.06% | -0.04% | 0.12% | -0.04% | -0.05% | -11 bps | |
| Allowance / Loans | 1.56% | 1.83% | 1.76% | 1.71% | 1.89% | 1.82% | 2.04% | 2.02% | +32 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 | 12.16% | 12.14% | 12.26% | 11.83% | 11.64% | 11.79% | 11.62% | 11.90% | +7 bps | |
| Equity / Assets | 7.63% | 7.49% | 7.39% | 7.42% | 7.35% | 7.19% | 6.93% | 7.32% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.24% | 78.44% | 76.62% | 77.82% | 76.71% | 74.92% | 78.17% | 77.73% | -10 bps | |
| Liquid Assets / Assets | 0.70% | 0.60% | 0.36% | 0.34% | 0.43% | 0.42% | 0.35% | 0.33% | -1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |