Saint Petersburg, FL · Cert 27186
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.
Saint Petersburg, FL · Cert 27186
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.38% | 0.42% | 0.54% | 0.66% | 0.67% | 0.79% | 0.67% | 0.62% | -4 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.34% | 4.12% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 79.62% | 80.63% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 3.27% | 3.14% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.40% | 5.28% | 6.57% | 14.07% | 4.75% | -1.82% | 1.20% | -1.62% | -1,570 bps | |
| Loan Growth (YoY) | 15.26% | 22.88% | 19.31% | 19.18% | 5.67% | 0.85% | 7.18% | 1.72% | -1,746 bps | |
| Deposit Growth (YoY) | 1.80% | 0.26% | 6.20% | 14.16% | 5.55% | -0.29% | -1.86% | -4.74% | -1,890 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 | n/a | n/a | n/a | n/a | n/a | n/a | 0.62% | 0.32% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.72% | 1.78% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 13.08% | 13.98% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.23% | 9.44% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.37% | 77.49% | 72.34% | 72.24% | 75.46% | 78.38% | 79.00% | 77.14% | +490 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 4.99% | 11.52% | +1,152 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |