Clearwater, FL · Cert 27152
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 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.
Clearwater, FL · Cert 27152
FDIC
Q2 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.00% | 0.98% | 0.85% | 0.93% | -5 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 2.27% | 2.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 45.75% | 42.10% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | 1.01% | 1.00% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 14.37% | 8.46% | 15.36% | 8.54% | 6.50% | -787 bps | |
| Loan Growth (YoY) | 30.20% | 30.50% | 21.66% | 17.58% | 32.63% | +242 bps | |
| Deposit Growth (YoY) | 15.16% | 7.99% | 20.27% | 8.02% | 5.82% | -934 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 0.00% | 0.00% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | 1.46% | 1.27% | n/a | |
| 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 | n/a | n/a | n/a | 10.93% | 10.21% | n/a | |
| Equity / Assets | n/a | n/a | n/a | 7.04% | 7.30% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.12% | 62.76% | 61.77% | 65.47% | 75.35% | +1,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.09% | 2.48% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |