Clearwater, FL · Charter 17010
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.48% | 0.53% | 0.60% | 0.32% | 0.36% | 0.42% | -0.06% | -66 bps | |
| Return on Equity | 3.47% | 3.84% | 4.25% | 4.78% | 2.57% | 2.91% | 3.31% | -0.53% | -531 bps | |
| Net Interest Margin | 3.98% | 4.11% | 4.07% | 4.07% | 4.28% | 4.15% | 4.15% | 3.27% | -79 bps | |
| Efficiency Ratio | 91.33% | 91.16% | 90.94% | 90.11% | 95.33% | 94.90% | 93.44% | 98.28% | +817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.57% | 6.85% | 10.69% | 14.13% | 3.00% | 7.26% | 2.83% | 2.54% | -1,159 bps | |
| Loan Growth (YoY) | -13.74% | -1.79% | -2.10% | 2.95% | 13.43% | 3.01% | 1.39% | -4.60% | -755 bps | |
| Share Growth (YoY) | 11.17% | 6.57% | 11.66% | 15.37% | 2.58% | 7.93% | 2.74% | 3.49% | -1,188 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.87% | 0.88% | 0.26% | 0.66% | 0.57% | 0.71% | 0.77% | 1.75% | +109 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 | 1.03% | 0.84% | 0.82% | 0.88% | 0.89% | 0.80% | 0.79% | 1.09% | +21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.31% | 12.62% | 12.41% | 12.44% | 12.60% | 12.37% | 12.58% | 12.07% | -37 bps | |
| Net Worth / Assets | 12.31% | 12.62% | 12.41% | 12.44% | 12.60% | 12.37% | 12.58% | 12.07% | -37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.43% | 53.95% | 51.55% | 52.45% | 54.66% | 51.49% | 50.87% | 48.35% | -410 bps | |
| Liquid Assets / Assets | 39.62% | 27.50% | 29.85% | 27.76% | 25.73% | 24.48% | 28.69% | 33.89% | +613 bps | |