Naples, FL · Cert 27542
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.17% | 1.33% | 1.82% | 0.31% | 0.82% | 0.65% | 0.45% | -137 bps | |
| Return on Equity | 15.29% | 19.17% | 21.15% | 24.98% | 4.24% | 11.30% | 8.49% | 5.86% | -1,911 bps | |
| Net Interest Margin | 4.27% | 3.90% | 3.91% | 3.95% | 3.89% | 3.46% | 3.70% | 3.43% | -52 bps | |
| Efficiency Ratio | 59.96% | 58.36% | 56.27% | 56.48% | 72.31% | 69.10% | 66.23% | 67.88% | +1,140 bps | |
| Non-Interest Burden | 2.02% | 1.65% | 1.61% | 1.65% | 2.44% | 1.85% | 1.90% | 1.75% | +11 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.85% | 33.27% | 58.73% | 45.84% | 42.27% | 31.06% | 15.74% | 20.74% | -2,511 bps | |
| Loan Growth (YoY) | 18.42% | 25.70% | 29.66% | 28.53% | 45.96% | 39.93% | 44.09% | 38.72% | +1,019 bps | |
| Deposit Growth (YoY) | 33.19% | 40.25% | 53.03% | 53.05% | 38.37% | 30.08% | 26.22% | 19.48% | -3,357 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 | 0.39% | 0.25% | 0.27% | 0.63% | 0.73% | 0.29% | 0.42% | 1.57% | +94 bps | |
| Allowance / Loans | 1.50% | 1.49% | 1.50% | 1.50% | 1.50% | 1.50% | 1.76% | 1.75% | +25 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 | 10.22% | 9.81% | 11.81% | 11.88% | 10.15% | 10.79% | 11.81% | 11.03% | -85 bps | |
| Equity / Assets | 6.58% | 5.68% | 6.81% | 7.81% | 7.10% | 7.45% | 7.75% | 7.72% | -8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.07% | 53.28% | 53.74% | 57.76% | 64.42% | 57.31% | 61.35% | 67.07% | +930 bps | |
| Liquid Assets / Assets | 0.02% | 0.06% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |