Palm Harbor, FL · Cert 32408
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 | 0.92% | 0.96% | 1.21% | 1.10% | 1.13% | 1.17% | 0.94% | 1.06% | -5 bps | |
| Return on Equity | 11.91% | 12.13% | 13.98% | 12.67% | 12.89% | 13.22% | 10.54% | 11.87% | -79 bps | |
| Net Interest Margin | 3.97% | 3.91% | 4.24% | 4.23% | 4.14% | 4.13% | 3.95% | 3.87% | -36 bps | |
| Efficiency Ratio | 59.68% | 60.09% | 58.68% | 60.71% | 60.30% | 59.26% | 63.95% | 61.08% | +36 bps | |
| Non-Interest Burden | 2.16% | 2.13% | 2.02% | 2.18% | 2.10% | 2.08% | 2.36% | 2.15% | -3 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 | 0.03% | 0.02% | -0.01% | -0.01% | 0.00% | 0.01% | 0.01% | 0.01% | +1 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 |