Maitland, FL · Cert 35263
FDIC
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Maitland, FL · Cert 35263
FDIC
Q2 2003
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -9.58% | -9.06% | -8.25% | -7.43% | -7.11% | -17.27% | 0.00% | 0.00% | +743 bps | |
| Return on Equity | n/a | n/a | -19.75% | -19.99% | -19.73% | -46.05% | 0.00% | 0.00% | +1,999 bps | |
| Net Interest Margin | 3.61% | 2.81% | 1.83% | 1.66% | 1.63% | 2.30% | 0.17% | 0.71% | -94 bps | |
| Efficiency Ratio | 512% | 475% | 699% | 853% | 776% | 1654% | 100.00% | 100.00% | -75,256 bps | |
| Non-Interest Burden | 20.61% | 16.41% | 15.59% | 13.46% | 11.46% | 37.59% | 0.17% | 0.71% | -1,275 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.27% | 7.59% | 43.48% | 63.90% | 38.04% | -45.74% | -74.98% | -79.15% | -14,305 bps | |
| Loan Growth (YoY) | 3088% | 302% | 1078% | 261% | 30.87% | -53.86% | -68.91% | -100.00% | -36,104 bps | |
| Deposit Growth (YoY) | 410% | 438% | 177.17% | 193.99% | 112.67% | -52.92% | -99.68% | -99.92% | -29,390 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.08% | 0.10% | 0.59% | 0.30% | 0.25% | 0.43% | 0.00% | 0.00% | -30 bps | |
| Allowance / Loans | 0.44% | 0.49% | 0.47% | 0.50% | 0.56% | 1.18% | 0.00% | n/a | n/a | |
| 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 | 152.09% | 114.31% | 101.10% | 85.32% | 90.02% | 96.73% | 130.89% | 107.18% | +2,185 bps | |
| Equity / Assets | 54.80% | 45.64% | 38.35% | 30.08% | 32.59% | 50.30% | 96.64% | 77.19% | +4,711 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.01% | 54.31% | 36.88% | 29.42% | 33.85% | 53.22% | 3538% | 0.00% | -2,942 bps | |
| Liquid Assets / Assets | 0.00% | 8.27% | 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 |