Daytona Beach, FL · Cert 34816
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | -0.51% | 0.14% | 0.39% | 0.59% | 0.33% | 0.69% | 0.91% | +53 bps | |
| Return on Equity | 1.79% | -3.78% | 1.14% | 3.36% | 5.12% | 3.08% | 7.32% | 11.00% | +764 bps | |
| Net Interest Margin | 3.25% | 2.96% | 3.29% | 3.81% | 4.29% | 3.81% | 3.93% | 3.82% | +1 bps | |
| Efficiency Ratio | 89.31% | 113.26% | 92.77% | 82.62% | 70.11% | 75.27% | 60.03% | 54.47% | -2,815 bps | |
| Non-Interest Burden | 2.86% | 3.38% | 3.07% | 3.15% | 2.78% | 2.77% | 2.20% | 1.88% | -126 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 58.53% | 56.66% | 52.37% | 24.01% | 24.28% | 29.67% | 40.46% | 54.80% | +3,078 bps | |
| Loan Growth (YoY) | 61.42% | 81.84% | 49.01% | 50.17% | 46.12% | 57.20% | 74.12% | 61.16% | +1,099 bps | |
| Deposit Growth (YoY) | 75.25% | 70.64% | 62.40% | 28.17% | 27.86% | 31.54% | 46.51% | 64.49% | +3,632 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% | 0.00% | 0.00% | 0.00% | 0.01% | 0.20% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.31% | 1.29% | 1.23% | 1.09% | 1.20% | 1.10% | 1.10% | 1.11% | +2 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 | 18.14% | 15.97% | 14.38% | 12.80% | 11.67% | 10.31% | 9.47% | 8.52% | -428 bps | |
| Equity / Assets | 13.95% | 12.90% | 11.46% | 11.60% | 11.37% | 10.31% | 8.63% | 8.04% | -356 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.94% | 82.16% | 77.33% | 95.51% | 91.35% | 98.19% | 91.90% | 93.58% | -194 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 3.81% | 0.01% | 0.01% | 0.01% | 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 |