Quincy, FL · Cert 21295
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.05% | 2.03% | 1.85% | 2.05% | 2.12% | 2.12% | 2.12% | 2.48% | +44 bps | |
| Return on Equity | 26.24% | 26.73% | 24.06% | 25.76% | 25.19% | 24.57% | 23.70% | 26.95% | +119 bps | |
| Net Interest Margin | 4.71% | 4.60% | 4.74% | 4.73% | 4.54% | 4.53% | 4.51% | 4.31% | -43 bps | |
| Efficiency Ratio | 49.06% | 46.70% | 46.44% | 40.91% | 43.60% | 41.99% | 40.99% | 44.76% | +385 bps | |
| Non-Interest Burden | 1.47% | 1.30% | 1.34% | 0.97% | 1.00% | 0.93% | 0.88% | 0.94% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.67% | 9.84% | 11.28% | 8.93% | -0.39% | 0.03% | -6.43% | -1.99% | -1,092 bps | |
| Loan Growth (YoY) | 5.76% | 8.52% | 16.38% | 19.83% | 5.88% | 10.50% | 6.19% | -3.91% | -2,374 bps | |
| Deposit Growth (YoY) | 5.27% | 15.74% | 18.53% | 7.00% | 11.55% | -0.05% | -8.08% | 2.59% | -442 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 | 0.05% | 0.02% | 0.95% | 0.44% | -0.01% | 0.03% | 0.02% | 0.15% | -29 bps | |
| Allowance / Loans | 1.38% | 1.49% | 1.31% | 1.31% | 1.42% | 1.38% | 1.42% | 1.42% | +10 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 | 10.53% | 10.52% | 10.20% | 10.21% | 10.80% | 10.71% | 10.70% | 11.28% | +107 bps | |
| Equity / Assets | 7.57% | 7.61% | 7.76% | 8.13% | 8.68% | 8.56% | 9.38% | 9.06% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.60% | 82.68% | 86.55% | 95.29% | 88.84% | 91.40% | 99.99% | 89.26% | -603 bps | |
| Liquid Assets / Assets | 0.16% | 0.16% | 0.16% | 0.15% | 0.16% | 0.16% | 0.17% | 0.16% | 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 |