St. Petersbrg, FL · Charter 21340
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 31, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Petersbrg, FL · Charter 21340
Q4 2002
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 1.12% | 0.87% | -1.64% | -1.64% | 0.93% | 1.00% | 0.64% | +228 bps | |
| Return on Equity | n/a | n/a | 5.97% | -12.52% | -12.43% | 7.36% | 8.00% | 5.45% | +1,797 bps | |
| Net Interest Margin | 5.23% | 5.59% | 6.18% | 5.21% | 5.55% | 5.49% | 5.52% | 5.50% | +29 bps | |
| Efficiency Ratio | 88.31% | 74.81% | 71.82% | 70.59% | 82.61% | 81.70% | 80.01% | 77.13% | +653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.90% | -2.23% | -7.44% | -4.13% | -5.14% | -5.75% | -2.31% | -6.90% | -277 bps | |
| Loan Growth (YoY) | -9.52% | 3.55% | 6.43% | 11.97% | 2.75% | -16.45% | -8.19% | -7.66% | -1,963 bps | |
| Share Growth (YoY) | -0.79% | -4.29% | -10.29% | -9.34% | -6.65% | -4.82% | 0.25% | 0.59% | +992 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.04% | 1.14% | 4.10% | 10.31% | 5.28% | 2.66% | 2.23% | 3.83% | -648 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 | 1.66% | 1.86% | 2.77% | 4.24% | 3.84% | 3.18% | 3.06% | 3.80% | -44 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 14.61% | 13.13% | 13.17% | 12.58% | 12.44% | 11.66% | -148 bps | |
| Net Worth / Assets | n/a | n/a | 14.61% | 13.13% | 13.17% | 12.58% | 12.44% | 11.66% | -148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.45% | 86.85% | 96.88% | 92.73% | 88.56% | 76.24% | 88.72% | 85.13% | -761 bps | |
| Liquid Assets / Assets | 21.43% | 17.50% | 15.14% | 24.76% | 24.18% | 32.53% | 21.82% | 23.18% | -158 bps | |