Ormond Beach, FL · Cert 34675
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 | 1.40% | 1.27% | 1.42% | 1.36% | 1.32% | 1.39% | 1.23% | 0.66% | -70 bps | |
| Return on Equity | 12.85% | 11.78% | 13.42% | 12.97% | 12.33% | 12.71% | 11.73% | 6.65% | -632 bps | |
| Net Interest Margin | 4.55% | 4.50% | 4.42% | 4.33% | 4.36% | 4.35% | 4.36% | 4.18% | -14 bps | |
| Efficiency Ratio | 51.14% | 54.88% | 51.89% | 50.78% | 52.39% | 48.41% | 51.73% | 48.37% | -241 bps | |
| Non-Interest Burden | 2.12% | 2.26% | 2.10% | 1.95% | 2.10% | 1.94% | 2.11% | 1.91% | -5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 25.83% | 18.10% | 12.83% | 18.90% | 10.96% | 8.75% | 18.17% | 15.29% | -361 bps | |
| Loan Growth (YoY) | 22.35% | 25.82% | 19.10% | 19.54% | 17.12% | 15.77% | 24.80% | 23.41% | +387 bps | |
| Deposit Growth (YoY) | 19.58% | 9.06% | 3.54% | 18.48% | 17.46% | 16.65% | 20.98% | 15.64% | -284 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 | 0.00% | 0.01% | 0.07% | 0.04% | -0.01% | 0.04% | 0.00% | 0.34% | +30 bps | |
| Allowance / Loans | 1.25% | 1.25% | 1.27% | 1.29% | 1.29% | 1.29% | 1.28% | 1.59% | +30 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 | 14.10% | 14.12% | 14.13% | 14.07% | 13.84% | 13.84% | 13.11% | 12.79% | -128 bps | |
| Equity / Assets | 10.84% | 10.69% | 10.44% | 10.57% | 10.88% | 11.03% | 10.01% | 9.95% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.07% | 94.66% | 90.55% | 84.27% | 90.81% | 93.94% | 93.40% | 89.93% | +566 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |