Lake City, FL · Cert 26631
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.96% | 0.75% | 0.92% | 0.93% | 0.97% | 0.89% | -0.72% | -164 bps | |
| Return on Equity | 11.03% | 11.30% | 9.17% | 11.32% | 11.44% | 11.95% | 10.73% | -8.95% | -2,026 bps | |
| Net Interest Margin | 4.09% | 3.86% | 3.55% | 3.57% | 3.67% | 3.78% | 3.83% | 3.68% | +12 bps | |
| Efficiency Ratio | 60.65% | 60.07% | 63.19% | 60.93% | 60.46% | 57.96% | 61.43% | 82.03% | +2,110 bps | |
| Non-Interest Burden | 2.23% | 2.05% | 2.03% | 1.98% | 2.03% | 2.01% | 2.23% | 2.99% | +101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.08% | 19.30% | 23.92% | 19.79% | 18.00% | 12.23% | 7.68% | 7.11% | -1,268 bps | |
| Loan Growth (YoY) | 14.01% | 18.24% | 15.74% | 12.24% | 13.30% | 10.72% | 14.95% | 12.59% | +35 bps | |
| Deposit Growth (YoY) | 17.39% | 21.17% | 25.91% | 20.97% | 18.70% | 11.59% | 6.85% | 6.33% | -1,463 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 | 0.21% | 0.14% | 0.46% | 0.26% | 0.04% | 0.10% | 0.18% | 0.72% | +46 bps | |
| Allowance / Loans | 1.04% | 1.07% | 1.08% | 1.08% | 1.07% | 1.07% | 1.07% | 1.18% | +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 | 10.25% | 10.19% | 10.60% | 10.61% | 10.50% | 10.57% | 10.55% | 10.10% | -51 bps | |
| Equity / Assets | 8.55% | 8.39% | 8.09% | 8.12% | 8.07% | 8.23% | 8.35% | 7.86% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.53% | 95.01% | 87.47% | 88.58% | 90.23% | 94.28% | 94.09% | 93.80% | +521 bps | |
| Liquid Assets / Assets | 0.22% | 1.67% | 6.10% | 3.46% | 4.96% | 3.72% | 2.73% | 1.01% | -246 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |