Saint Petersburg, FL · Cert 32473
FDIC
Q2 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2002, the quarter ended June 30, 2002, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Saint Petersburg, FL · Cert 32473
FDIC
Q2 2002
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 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.91% | 0.86% | 0.77% | 0.88% | 0.96% | 1.05% | 1.27% | 1.22% | +34 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | 17.07% | 15.98% | n/a | |
| Net Interest Margin | n/a | n/a | 3.85% | 3.78% | 3.89% | 3.96% | 4.32% | 4.29% | +51 bps | |
| Efficiency Ratio | n/a | n/a | 74.89% | 69.22% | 66.52% | 64.64% | 62.29% | 61.07% | -815 bps | |
| Non-Interest Burden | n/a | n/a | 2.72% | 2.43% | 2.38% | 2.32% | 2.48% | 2.40% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 9.04% | 8.73% | 16.07% | 14.88% | 13.46% | 12.57% | 4.90% | -1,118 bps | |
| Loan Growth (YoY) | 8.54% | 12.01% | 11.88% | 11.49% | 12.24% | 5.22% | 0.85% | -3.80% | -1,529 bps | |
| Deposit Growth (YoY) | 4.59% | 9.95% | 3.62% | 9.56% | 7.82% | 8.59% | 8.80% | 2.39% | -717 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 | n/a | n/a | 0.12% | 0.10% | 0.17% | 0.16% | 0.05% | 0.02% | -8 bps | |
| Allowance / Loans | n/a | n/a | 1.00% | 1.03% | 1.00% | 1.02% | 1.09% | 1.18% | +16 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 | n/a | n/a | 10.58% | 10.71% | 10.93% | 11.05% | 11.40% | 12.13% | +142 bps | |
| Equity / Assets | n/a | n/a | 7.51% | 7.21% | 7.73% | 7.38% | 7.45% | 8.05% | +84 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.81% | 80.58% | 84.58% | 81.84% | 85.16% | 78.08% | 78.40% | 76.89% | -495 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.02% | 0.11% | 0.07% | 0.13% | 0.09% | 0.08% | -3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |