Largo, FL · Cert 26587
FDIC
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.44% | 1.45% | 1.43% | 1.30% | 1.29% | 1.37% | 1.39% | 1.18% | -12 bps | |
| Return on Equity | 16.58% | 16.89% | 16.79% | 15.66% | 15.51% | 16.48% | 16.72% | 13.80% | -187 bps | |
| Net Interest Margin | 4.41% | 4.33% | 4.34% | 4.25% | 4.16% | 4.11% | 4.09% | 3.96% | -29 bps | |
| Efficiency Ratio | 57.36% | 57.27% | 58.54% | 64.30% | 61.50% | 59.10% | 58.96% | 62.73% | -156 bps | |
| Non-Interest Burden | 2.23% | 2.16% | 2.20% | 2.51% | 2.34% | 2.18% | 2.17% | 2.30% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.54% | 12.58% | 10.94% | 11.85% | 10.59% | 3.29% | 5.74% | -0.55% | -1,241 bps | |
| Loan Growth (YoY) | 2.12% | 4.24% | 16.97% | 19.12% | 18.44% | 13.84% | 4.74% | 5.86% | -1,326 bps | |
| Deposit Growth (YoY) | 10.33% | 17.09% | 12.41% | 17.69% | 15.28% | 7.61% | 12.67% | 1.53% | -1,616 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 | 0.04% | 0.02% | 0.04% | 0.00% | 0.00% | 0.00% | 0.02% | -0.01% | 0 bps | |
| Allowance / Loans | 1.86% | 1.79% | 1.68% | 1.62% | 1.61% | 1.59% | 1.60% | 1.53% | -9 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 | 10.77% | 10.75% | 10.33% | 10.17% | 10.29% | 10.47% | 10.41% | 10.24% | +7 bps | |
| Equity / Assets | 8.62% | 8.26% | 8.48% | 8.12% | 8.28% | 8.37% | 8.44% | 8.67% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.99% | 80.47% | 87.52% | 84.01% | 83.21% | 85.12% | 81.36% | 87.59% | +359 bps | |
| Liquid Assets / Assets | 0.07% | 1.61% | 0.09% | 0.48% | 0.37% | 0.26% | 0.75% | 0.08% | -41 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |