Tallahassee, FL · Cert 26838
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.34% | -2.96% | -3.10% | -9.14% | -5.18% | +116 bps | |
| Return on Equity | -67.60% | -32.73% | -34.46% | -113.53% | -75.35% | -775 bps | |
| Net Interest Margin | 2.11% | 2.45% | 2.54% | 3.08% | 3.35% | +124 bps | |
| Efficiency Ratio | 311% | 198.42% | 195.55% | 167.06% | 173.92% | -13,755 bps | |
| Non-Interest Burden | 7.90% | 5.45% | 5.63% | 5.64% | 6.48% | -142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.11% | -30.65% | -26.43% | -27.23% | -27.92% | -782 bps | |
| Loan Growth (YoY) | -47.36% | -47.84% | -41.73% | -5.63% | -8.69% | +3,867 bps | |
| Deposit Growth (YoY) | -11.29% | -30.47% | -27.31% | -25.36% | -26.09% | -1,480 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.74% | 0.94% | -0.59% | 9.07% | 3.51% | +177 bps | |
| Allowance / Loans | 2.35% | 2.07% | 2.29% | 2.48% | 2.54% | +19 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.10% | 13.20% | 12.34% | 9.52% | 8.26% | -583 bps | |
| Equity / Assets | 8.83% | 9.27% | 8.74% | 7.29% | 6.43% | -241 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 61.54% | 71.54% | 70.81% | 77.35% | 76.03% | +1,449 bps | |
| Liquid Assets / Assets | 1.26% | 1.34% | 1.14% | 1.16% | 1.16% | -10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |