Tampa, FL · Cert 27301
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.60% | 0.76% | 1.06% | 0.76% | 0.90% | 0.45% | -2.02% | -308 bps | |
| Return on Equity | 6.40% | 7.51% | 9.23% | 12.91% | 9.42% | 10.84% | 5.28% | -25.57% | -3,849 bps | |
| Net Interest Margin | 3.05% | 2.97% | 3.06% | 3.24% | 3.07% | 3.17% | 3.17% | 3.01% | -23 bps | |
| Efficiency Ratio | 63.75% | 63.56% | 65.88% | 62.79% | 67.06% | 64.36% | 64.19% | 94.57% | +3,178 bps | |
| Non-Interest Burden | 1.77% | 1.42% | 1.36% | 1.14% | 1.58% | 1.52% | 1.58% | 2.82% | +167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.58% | 45.94% | 53.29% | 45.27% | 42.00% | 25.39% | 18.26% | 12.01% | -3,326 bps | |
| Loan Growth (YoY) | 42.62% | 50.56% | 56.18% | 50.93% | 42.89% | 25.26% | 18.80% | 12.24% | -3,869 bps | |
| Deposit Growth (YoY) | 49.06% | 47.95% | 56.45% | 45.60% | 44.05% | 19.77% | 18.36% | 13.41% | -3,219 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 | 0.22% | 0.03% | 0.38% | 0.26% | 0.01% | 0.01% | 0.95% | 2.97% | +272 bps | |
| Allowance / Loans | 1.24% | 1.20% | 1.10% | 1.09% | 1.17% | 1.20% | 1.15% | 1.44% | +35 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 | 10.02% | 10.75% | 10.55% | 11.06% | 11.20% | 11.41% | 10.66% | 9.89% | -117 bps | |
| Equity / Assets | 7.78% | 8.22% | 8.14% | 8.20% | 8.01% | 8.62% | 8.33% | 7.49% | -71 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.67% | 90.32% | 97.41% | 95.33% | 89.94% | 94.46% | 97.77% | 94.35% | -98 bps | |
| Liquid Assets / Assets | 0.10% | 0.04% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.96% | +96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |