Destin, FL · Cert 32321
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | 1.33% | 0.68% | 1.11% | 1.57% | 1.39% | 0.84% | 1.68% | +57 bps | |
| Return on Equity | 15.03% | 18.17% | 9.37% | 14.88% | 21.89% | 19.78% | 12.22% | 25.29% | +1,041 bps | |
| Net Interest Margin | 3.77% | 4.13% | 3.92% | 3.87% | 4.38% | 4.16% | 4.35% | 4.30% | +43 bps | |
| Efficiency Ratio | 58.93% | 53.98% | 66.27% | 58.20% | 48.29% | 46.64% | 69.02% | 43.57% | -1,463 bps | |
| Non-Interest Burden | 1.74% | 1.74% | 2.32% | 1.91% | 1.65% | 1.52% | 2.76% | 1.37% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 28.41% | 23.37% | 24.37% | 12.62% | 26.90% | 23.77% | 30.41% | 28.13% | +1,551 bps | |
| Loan Growth (YoY) | 32.48% | 23.26% | 27.15% | 24.54% | 28.80% | 36.42% | 43.95% | 47.04% | +2,250 bps | |
| Deposit Growth (YoY) | 29.13% | 23.29% | 26.91% | 9.93% | 24.99% | 20.87% | 17.53% | 23.97% | +1,404 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 | 0.16% | 0.38% | 0.10% | 0.14% | 0.08% | 0.05% | 0.01% | 0.02% | -11 bps | |
| Allowance / Loans | 0.99% | 1.00% | 1.12% | 1.12% | 0.99% | 1.07% | 0.97% | 0.97% | -14 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 | 13.42% | 12.97% | 12.75% | 12.85% | 11.82% | 11.59% | 10.44% | 10.38% | -247 bps | |
| Equity / Assets | 7.55% | 7.14% | 7.38% | 7.51% | 6.88% | 7.14% | 6.71% | 6.58% | -92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.92% | 73.48% | 76.41% | 76.36% | 82.36% | 82.93% | 93.59% | 90.56% | +1,421 bps | |
| Liquid Assets / Assets | 3.38% | 9.35% | 4.30% | 7.34% | 5.57% | 5.06% | 4.08% | 4.43% | -291 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |