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Quincy State Bank

Quincy, FL · Cert 21295

FDIC

Q4 2003

$127.2MAssets
$90.8MLoans
$101.7MDeposits
$11.5MEquity
Deposit mix
78%Interest-bearing $79.7M22%Noninterest $22.0MQ1 2002Q4 2003

Executive Summary

  • Earnings: ROA of 2.20%, up 20 bps year over year; NIM at 4.54%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 89.26% of deposits as of Q4 2003.

Return on Assets (YTD, annualized)

2.20%+20 bps YoY

Net Interest Margin (YTD, annualized)

4.54%+2 bps YoY

Efficiency Ratio (YTD, annualized)

42.83%-284 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.38%Q4 ’015.90%Q4 ’025.56%Q4 ’03-2%+0%

Non-interest income vs. expense

2.91%Q4 ’012.78%Q4 ’022.69%Q4 ’03-14%-22%

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets2.05%2.04%1.98%2.00%2.12%2.10%2.12%2.20%+20 bps
Return on Equity26.24%26.34%25.59%25.53%25.19%24.87%24.49%25.10%-43 bps
Net Interest Margin4.71%4.48%4.60%4.52%4.54%4.57%4.62%4.54%+2 bps
Efficiency Ratio49.06%47.85%47.37%45.68%43.60%42.80%42.22%42.83%-284 bps
Non-Interest Burden1.47%1.33%1.35%1.22%1.00%0.97%0.95%0.95%-27 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.03%0.34%0.35%-0.01%0.01%0.01%0.05%-30 bps
Allowance / Loans1.38%1.49%1.31%1.31%1.42%1.38%1.42%1.42%+10 bps
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 Capital10.53%10.52%10.20%10.21%10.80%10.71%10.70%11.28%+107 bps
Equity / Assets7.57%7.61%7.76%8.13%8.68%8.56%9.38%9.06%+93 bps
Liquidity & Funding
Loans / Deposits93.60%82.68%86.55%95.29%88.84%91.40%99.99%89.26%-603 bps
Liquid Assets / Assets0.16%0.16%0.16%0.15%0.16%0.16%0.17%0.16%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a