Orlando, FL · Cert 34828
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 | 0.81% | 0.87% | 0.95% | 1.03% | 1.58% | 1.16% | 1.02% | 1.13% | +10 bps | |
| Return on Equity | 12.50% | 12.73% | 13.91% | 15.77% | 24.52% | 17.41% | 15.58% | 17.35% | +158 bps | |
| Net Interest Margin | 3.68% | 3.33% | 3.63% | 3.72% | 5.18% | 3.46% | 3.40% | 3.25% | -47 bps | |
| Efficiency Ratio | 59.00% | 63.04% | 55.17% | 50.92% | 50.20% | 49.17% | 49.30% | 46.89% | -403 bps | |
| Non-Interest Burden | 2.05% | 1.97% | 1.83% | 1.72% | 2.34% | 1.55% | 1.56% | 1.41% | -31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.56% | 18.13% | 7.70% | 12.95% | 74.95% | 71.41% | 91.62% | 60.73% | +4,777 bps | |
| Loan Growth (YoY) | 19.57% | 9.68% | 6.08% | 11.42% | 81.63% | 76.55% | 82.35% | 66.31% | +5,489 bps | |
| Deposit Growth (YoY) | 25.98% | 18.47% | 6.95% | -5.43% | 59.51% | 56.15% | 79.34% | 77.98% | +8,342 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 | 0.32% | 0.36% | 0.17% | 0.37% | 0.16% | 0.04% | 0.07% | 0.18% | -18 bps | |
| Allowance / Loans | 1.45% | 1.27% | 1.27% | 1.26% | 1.21% | 1.20% | 1.21% | 1.21% | -5 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 | 8.92% | 8.60% | 8.63% | 9.26% | 10.01% | 10.41% | 10.13% | 10.77% | +152 bps | |
| Equity / Assets | 6.88% | 6.81% | 6.91% | 6.22% | 6.60% | 6.70% | 6.46% | 6.60% | +37 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.55% | 82.76% | 84.15% | 94.16% | 92.86% | 93.57% | 85.56% | 87.99% | -618 bps | |
| Liquid Assets / Assets | 4.78% | 2.30% | 0.99% | 0.95% | 0.77% | 0.67% | 0.53% | 0.66% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |