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Intervest Bank

Clearwater, FL · Cert 27152

FDIC

Q2 2001

$217.1MAssets
$151.1MLoans
$200.5MDeposits
$15.8MEquity
Deposit mix
96%Interest-bearing $192.5M4%Noninterest $8.0MQ3 1999Q2 2001

Executive Summary

  • Earnings: ROA of 1.00%, up 3 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 75.35% of deposits as of Q2 2001.

Return on Assets (quarter, annualized)

1.00%+3 bps YoY

Net Interest Margin (quarter, annualized)

2.59%

Efficiency Ratio (quarter, annualized)

38.79%

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.50%Q1 ’017.35%Q2 ’01+14%

Non-interest income vs. expense

1.07%Q1 ’011.03%Q2 ’01-4%

Discrete quarter, annualized.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.83%0.89%1.02%0.98%1.00%0.98%0.85%1.00%+3 bps
Return on Equityn/an/an/an/an/an/an/a14.01%n/an/a
Net Interest Marginn/an/an/an/an/an/a2.27%2.59%n/a
Efficiency Ration/an/an/an/an/an/a45.75%38.79%n/a
Non-Interest Burdenn/an/an/an/an/an/a1.01%0.97%n/a
Growth
Asset Growth (YoY)12.16%2.70%10.43%14.37%8.46%15.36%8.54%6.50%-787 bps
Loan Growth (YoY)3.57%20.94%32.49%30.20%30.50%21.66%17.58%32.63%+242 bps
Deposit Growth (YoY)11.68%-2.10%10.05%15.16%7.99%20.27%8.02%5.82%-934 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/a0.00%0.00%n/a
Allowance / Loansn/an/an/an/an/an/a1.46%1.27%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/a10.93%10.21%n/a
Equity / Assetsn/an/an/an/an/an/a7.04%7.30%n/a
Liquidity & Funding
Loans / Deposits51.94%61.06%60.15%60.12%62.76%61.77%65.47%75.35%+1,523 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.09%2.48%+248 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a