Tallahassee, FL · Cert 26838
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | -3.65% | -0.47% | -1.78% | -2.96% | -3.00% | -4.91% | -4.96% | -318 bps | |
| Return on Equity | 13.08% | -46.81% | -5.65% | -21.31% | -32.73% | -33.56% | -57.19% | -60.36% | -3,905 bps | |
| Net Interest Margin | 4.29% | 4.42% | 4.47% | 4.20% | 2.45% | 2.57% | 2.87% | 3.15% | -105 bps | |
| Efficiency Ratio | 75.22% | 155.19% | 100.49% | 131.41% | 198.42% | 196.99% | 186.38% | 183.05% | +5,164 bps | |
| Non-Interest Burden | 3.13% | 7.07% | 4.49% | 5.67% | 5.45% | 5.72% | 5.97% | 6.44% | +77 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.75% | -3.39% | -14.70% | -20.11% | -30.65% | -26.43% | -27.23% | -27.92% | -782 bps | |
| Loan Growth (YoY) | 16.77% | -3.19% | -38.67% | -47.36% | -47.84% | -41.73% | -5.63% | -8.69% | +3,867 bps | |
| Deposit Growth (YoY) | -3.92% | -2.85% | -17.61% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.02% | 0.05% | 0.04% | 0.46% | 0.94% | 0.19% | 3.15% | 3.43% | +296 bps | |
| Allowance / Loans | 1.01% | 1.72% | 2.46% | 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 | 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 | 11.26% | 9.65% | 16.21% | 14.10% | 13.20% | 12.34% | 9.52% | 8.26% | -583 bps | |
| Equity / Assets | 8.83% | 7.45% | 9.88% | 8.83% | 9.27% | 8.74% | 7.29% | 6.43% | -241 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.37% | 88.34% | 61.18% | 61.54% | 71.54% | 70.81% | 77.35% | 76.03% | +1,449 bps | |
| Liquid Assets / Assets | 1.13% | 0.91% | 2.76% | 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 | n/a | n/a | n/a |