Lakeland, FL · Charter 66791
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Lakeland, FL · Charter 66791
Q3 2002
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.92% | 0.28% | 0.20% | 0.06% | -0.02% | 0.06% | 0.31% | 0.46% | +40 bps | |
| Return on Equity | 7.48% | 2.60% | 1.92% | 0.60% | -0.23% | 0.62% | 2.95% | 4.54% | +394 bps | |
| Net Interest Margin | 4.45% | 3.69% | 3.59% | 3.62% | 3.59% | 3.59% | 3.79% | 3.74% | +13 bps | |
| Efficiency Ratio | 79.84% | 92.04% | 94.28% | 96.03% | 96.42% | 93.80% | 90.90% | 86.85% | -918 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.81% | 23.39% | 27.97% | 22.44% | 18.72% | 7.69% | 1.85% | 6.42% | -1,602 bps | |
| Loan Growth (YoY) | 24.49% | 22.19% | 14.73% | 8.84% | 5.70% | 6.37% | 8.26% | 13.07% | +424 bps | |
| Share Growth (YoY) | 13.90% | 26.96% | 30.03% | 27.25% | 20.65% | 9.89% | 2.75% | 6.98% | -2,027 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.19% | 0.25% | 0.23% | 0.20% | 0.18% | 0.26% | 0.05% | 0.09% | -10 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 | 0.59% | 0.63% | 0.58% | 0.47% | 0.48% | 0.48% | 0.44% | 0.45% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.28% | 10.64% | 10.53% | 10.52% | 10.32% | 9.80% | 10.37% | 10.17% | -36 bps | |
| Net Worth / Assets | 12.28% | 10.64% | 10.53% | 10.52% | 10.32% | 9.80% | 10.37% | 10.17% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.99% | 87.18% | 86.67% | 86.38% | 86.73% | 84.38% | 91.32% | 91.31% | +492 bps | |
| Liquid Assets / Assets | 2.80% | 14.18% | 15.55% | 14.15% | 14.55% | 15.06% | 10.89% | 9.84% | -431 bps | |