PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

State Street Global Advisors, N.A.

Naples, FL · Cert 34698

FDIC

Q3 2002

$2.8MAssets
n/aLoans
n/aDeposits
$2.5MEquity

Executive Summary

  • Earnings: ROA of -22.80%, down 2,064 bps year over year; NIM at 0.00%.

Return on Assets (quarter, annualized)

-22.80%-2,064 bps YoY

Net Interest Margin (quarter, annualized)

0.00%0 bps YoY

Efficiency Ratio (quarter, annualized)

211%+10,795 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.00%Q1 ’010.00%Q3 ’010.00%Q3 ’02

Non-interest income vs. expense

128.84%Q1 ’0186.16%Q3 ’0180.61%Q3 ’02-94%+1708%

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets-20.99%-24.32%-18.77%-2.15%-35.85%-18.56%-41.36%-22.80%-2,064 bps
Return on Equityn/an/a-19.96%-2.29%-37.18%-19.24%-45.20%-25.78%-2,349 bps
Net Interest Marginn/a0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Efficiency Ration/a141.61%137.97%102.80%187.47%140.44%195.86%211%+10,795 bps
Non-Interest Burdenn/a37.86%28.70%2.34%57.90%30.54%69.40%42.36%+4,002 bps
Growth
Asset Growth (YoY)-5.63%-7.07%6.25%-8.90%17.31%19.46%2.21%29.29%+3,819 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a192.91%195.00%190.88%233%214%178.61%206%+1,556 bps
Equity / Assetsn/a95.25%93.02%95.00%97.70%95.14%87.76%88.97%-603 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a