Sarasota, FL · Cert 33644
FDIC
Q3 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 1.00% | 1.40% | 1.25% | 1.20% | 1.20% | 1.49% | 0.75% | -50 bps | |
| Return on Equity | 21.77% | 13.97% | 19.74% | 17.33% | 15.82% | 15.85% | 20.01% | 10.47% | -686 bps | |
| Net Interest Margin | 3.83% | 4.20% | 4.50% | 4.28% | 4.33% | 3.97% | 3.82% | 3.78% | -50 bps | |
| Efficiency Ratio | 59.02% | 51.37% | 45.38% | 43.36% | 40.14% | 46.85% | 44.72% | 42.41% | -95 bps | |
| Non-Interest Burden | 2.22% | 2.03% | 1.86% | 1.72% | 1.59% | 1.74% | 1.59% | 1.46% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.23% | 6.69% | 17.11% | 22.00% | 20.94% | 26.20% | 17.67% | 21.41% | -59 bps | |
| Loan Growth (YoY) | 4.19% | 3.50% | 10.92% | 13.65% | 17.42% | 22.82% | 23.96% | 20.94% | +729 bps | |
| Deposit Growth (YoY) | 7.42% | 6.15% | 15.46% | 19.39% | 17.49% | 19.72% | 13.42% | 19.28% | -11 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 | 0.48% | 0.84% | 0.41% | 0.08% | 0.32% | 0.11% | 0.26% | 0.31% | +23 bps | |
| Allowance / Loans | 1.29% | 1.20% | 1.14% | 1.23% | 1.46% | 1.42% | 1.38% | 1.51% | +28 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 | 11.05% | 10.91% | 10.55% | 11.01% | 11.23% | 10.97% | 10.73% | 10.57% | -44 bps | |
| Equity / Assets | 7.20% | 7.13% | 7.08% | 7.37% | 7.75% | 7.42% | 7.50% | 6.82% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.73% | 89.37% | 88.76% | 85.59% | 88.68% | 91.68% | 97.01% | 86.77% | +118 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.00% | 0.00% | 0.13% | 0.12% | 0.12% | 0.11% | +11 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |