Tampa, FL · Cert 27301
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.54% | 0.76% | 0.91% | 0.86% | 0.88% | 0.45% | -0.81% | -173 bps | |
| Return on Equity | 6.28% | 6.56% | 9.23% | 11.15% | 10.60% | 10.67% | 5.28% | -10.02% | -2,117 bps | |
| Net Interest Margin | 2.91% | 2.79% | 3.06% | 2.97% | 2.87% | 2.92% | 3.17% | 3.03% | +7 bps | |
| Efficiency Ratio | 63.25% | 63.35% | 65.88% | 64.14% | 65.09% | 64.90% | 64.19% | 77.92% | +1,378 bps | |
| Non-Interest Burden | 1.70% | 1.55% | 1.36% | 1.17% | 1.26% | 1.31% | 1.58% | 2.17% | +100 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 | 0.11% | 0.08% | 0.38% | 0.30% | 0.20% | 0.15% | 0.95% | 1.95% | +165 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 |