Palm Harbor, FL · Cert 32408
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 | 1.03% | 1.02% | 1.21% | 1.00% | 1.19% | 1.28% | 0.94% | 1.16% | +16 bps | |
| Return on Equity | 13.14% | 12.63% | 13.98% | 11.35% | 13.33% | 14.23% | 10.54% | 13.18% | +183 bps | |
| Net Interest Margin | 4.21% | 4.17% | 4.24% | 4.24% | 4.21% | 4.27% | 3.95% | 3.96% | -28 bps | |
| Efficiency Ratio | 59.94% | 61.18% | 58.68% | 62.86% | 59.51% | 56.03% | 63.95% | 58.46% | -439 bps | |
| Non-Interest Burden | 2.25% | 2.27% | 2.02% | 2.35% | 2.06% | 2.12% | 2.36% | 2.04% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.29% | 16.58% | 5.93% | 3.84% | -3.45% | 5.57% | 11.77% | 14.69% | +1,084 bps | |
| Loan Growth (YoY) | 15.94% | 11.27% | 18.78% | 9.29% | 5.16% | 11.04% | 9.80% | 12.83% | +354 bps | |
| Deposit Growth (YoY) | 21.37% | 18.62% | 1.14% | -2.35% | -10.41% | -4.48% | 10.46% | 17.45% | +1,980 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 | 0.07% | 0.00% | -0.01% | 0.00% | 0.02% | 0.03% | 0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.33% | 1.34% | 1.39% | 1.43% | 1.42% | 1.37% | 1.32% | -8 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 | 10.12% | 10.89% | 11.04% | 11.01% | 11.12% | 11.38% | 11.10% | 10.96% | -4 bps | |
| Equity / Assets | 7.75% | 8.45% | 8.85% | 8.79% | 9.02% | 9.03% | 8.86% | 8.79% | -1 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.36% | 93.48% | 102.86% | 104.88% | 107.23% | 108.67% | 102.24% | 100.75% | -413 bps | |
| Liquid Assets / Assets | 0.04% | 1.53% | 0.04% | 0.02% | 0.03% | 0.10% | 0.16% | 2.24% | +222 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |