Bonita Springs, FL · Cert 35536
FDIC
Q2 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2004, the quarter ended June 30, 2004, 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.
Bonita Springs, FL · Cert 35536
FDIC
Q2 2004
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 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.22% | 0.67% | 0.60% | 0.73% | 0.75% | 0.74% | 0.94% | +34 bps | |
| Return on Equity | 1.32% | 2.25% | 8.28% | 6.88% | 8.13% | 8.35% | 8.14% | 10.43% | +356 bps | |
| Net Interest Margin | 3.06% | 2.95% | 3.64% | 3.21% | 3.16% | 3.22% | 3.70% | 3.49% | +29 bps | |
| Efficiency Ratio | 82.82% | 78.89% | 65.68% | 67.30% | 60.69% | 59.94% | 57.64% | 54.02% | -1,328 bps | |
| Non-Interest Burden | 2.51% | 2.30% | 2.33% | 2.10% | 1.85% | 1.85% | 2.05% | 1.81% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 76.21% | 61.86% | 46.57% | 55.83% | 32.68% | 40.13% | 44.26% | 36.02% | -1,981 bps | |
| Loan Growth (YoY) | 82.96% | 60.90% | 55.03% | 69.58% | 52.36% | 51.69% | 60.17% | 43.10% | -2,647 bps | |
| Deposit Growth (YoY) | 90.14% | 63.01% | 50.93% | 56.44% | 31.46% | 39.34% | 42.57% | 34.29% | -2,215 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.26% | 1.25% | 1.25% | 1.20% | 1.28% | 1.26% | 1.26% | 1.20% | 0 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 | 10.22% | 9.51% | 9.15% | 11.49% | 10.79% | 10.63% | 10.34% | 10.30% | -119 bps | |
| Equity / Assets | 8.80% | 8.33% | 7.82% | 9.77% | 9.77% | 9.19% | 9.09% | 8.73% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.64% | 87.15% | 81.19% | 87.51% | 91.14% | 94.87% | 91.21% | 93.26% | +574 bps | |
| Liquid Assets / Assets | 4.68% | 0.01% | 0.01% | 0.01% | 0.01% | 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 |