Saint Petersburg, FL · Cert 32473
FDIC
Q2 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.99% | 1.10% | 1.31% | 1.27% | 1.17% | +18 bps | |
| Return on Equity | n/a | n/a | n/a | 13.48% | 14.75% | 17.37% | 17.07% | 15.10% | +162 bps | |
| Net Interest Margin | n/a | n/a | 3.85% | 3.99% | 4.24% | 4.38% | 4.32% | 4.32% | +33 bps | |
| Efficiency Ratio | n/a | n/a | 74.89% | 64.09% | 61.73% | 59.88% | 62.29% | 59.87% | -421 bps | |
| Non-Interest Burden | n/a | n/a | 2.72% | 2.33% | 2.38% | 2.28% | 2.48% | 2.35% | +2 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% | 0.08% | 0.30% | 0.15% | 0.05% | -0.01% | -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 |