Tampa, FL · Cert 26560
FDIC
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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.
Tampa, FL · Cert 26560
FDIC
Q3 2001
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.04% | 1.10% | 1.08% | 1.12% | 1.17% | 1.34% | 1.08% | 0 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | 4.01% | 4.00% | 4.00% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | 60.95% | 59.09% | 63.50% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | 2.23% | 2.16% | 2.36% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 47.63% | 49.86% | 16.30% | 16.32% | 11.12% | 11.09% | 15.83% | 14.52% | -180 bps | |
| Loan Growth (YoY) | 50.65% | 45.91% | 20.19% | 18.25% | 18.62% | 22.94% | 24.87% | 22.14% | +389 bps | |
| Deposit Growth (YoY) | 46.47% | 47.18% | 8.52% | 6.99% | 3.91% | 1.59% | 9.61% | 7.12% | +12 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 | n/a | n/a | n/a | n/a | n/a | -0.05% | 0.00% | -0.02% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | 1.24% | 1.20% | 1.29% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | 10.32% | 10.56% | 10.08% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | 7.61% | 7.94% | 7.86% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.77% | 91.46% | 99.59% | 104.36% | 104.76% | 110.69% | 113.45% | 119.00% | +1,464 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.71% | 0.20% | 0.20% | +20 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |