W. Palm Beach, FL · Charter 67293
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 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.
W. Palm Beach, FL · Charter 67293
Q1 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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.01% | 1.14% | 1.40% | 0.97% | 1.00% | 0.83% | 0.95% | 0.67% | -30 bps | |
| Return on Equity | n/a | n/a | 13.15% | 9.78% | 9.36% | 8.49% | 9.98% | 6.83% | -294 bps | |
| Net Interest Margin | 5.67% | 5.60% | 6.43% | 5.36% | 5.46% | 4.82% | 4.53% | 4.28% | -108 bps | |
| Efficiency Ratio | 68.15% | 67.61% | 67.30% | 73.72% | 74.33% | 75.25% | 74.54% | 77.15% | +342 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | -0.16% | -4.64% | -9.12% | -8.23% | 0.53% | 23.95% | 12.12% | +2,123 bps | |
| Loan Growth (YoY) | 21.61% | 22.29% | 16.24% | 4.77% | -1.98% | -8.93% | -12.91% | -16.93% | -2,170 bps | |
| Share Growth (YoY) | 5.26% | -1.53% | -6.60% | -11.26% | -10.36% | -0.37% | 25.50% | 12.48% | +2,374 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.90% | 0.42% | 0.57% | 0.37% | 0.60% | 0.82% | 0.55% | 0.72% | +35 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 | 1.16% | 1.39% | 1.67% | 1.93% | 2.21% | 2.42% | 2.36% | 2.72% | +78 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | 10.62% | 9.92% | 10.64% | 9.80% | 9.52% | 9.76% | -16 bps | |
| Net Worth / Assets | n/a | n/a | 10.62% | 9.92% | 10.64% | 9.80% | 9.52% | 9.76% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.97% | 77.86% | 92.18% | 82.29% | 83.07% | 71.17% | 63.97% | 60.78% | -2,152 bps | |
| Liquid Assets / Assets | 27.99% | 25.41% | 16.41% | 25.21% | 23.66% | 35.58% | 38.58% | 44.58% | +1,937 bps | |