Pensacola, FL · Charter 60093
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
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 | 0.51% | 0.54% | 0.62% | 0.81% | 0.95% | 0.94% | 0.75% | 0.76% | -5 bps | |
| Return on Equity | 3.39% | 3.58% | 4.17% | 5.32% | 6.17% | 6.02% | 5.01% | 5.00% | -31 bps | |
| Net Interest Margin | 3.53% | 3.47% | 3.55% | 3.67% | 3.71% | 3.71% | 3.45% | 3.41% | -26 bps | |
| Efficiency Ratio | 72.97% | 72.18% | 73.58% | 70.66% | 68.91% | 69.23% | 74.74% | 74.21% | +355 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.67% | 10.33% | 7.30% | 5.45% | 3.46% | 2.21% | 5.20% | 6.02% | +57 bps | |
| Loan Growth (YoY) | -14.47% | -17.18% | -16.46% | -10.75% | -2.75% | 5.88% | 9.67% | 12.44% | +2,319 bps | |
| Share Growth (YoY) | 8.37% | 11.45% | 7.96% | 5.52% | 2.76% | 1.37% | 4.61% | 5.75% | +23 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.34% | 1.12% | 0.84% | 0.64% | 0.48% | 0.55% | 0.43% | 0.44% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.22% | 1.17% | 1.12% | 1.09% | 1.15% | 1.16% | 1.18% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.05% | 15.00% | 14.83% | 15.15% | 15.41% | 15.62% | 15.03% | 15.18% | +3 bps | |
| Net Worth / Assets | 15.05% | 15.00% | 14.83% | 15.15% | 15.41% | 15.62% | 15.03% | 15.18% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.11% | 62.23% | 58.84% | 60.65% | 62.57% | 65.00% | 61.68% | 64.48% | +384 bps | |
| Liquid Assets / Assets | 23.61% | 23.06% | 26.29% | 21.37% | 24.06% | 22.31% | 27.99% | 20.20% | -117 bps | |