St. Augustine, FL · Charter 67310
Q2 2004
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.40% | 0.39% | 0.12% | 0.10% | 0.12% | 0.32% | -0.17% | -0.43% | -53 bps | |
| Return on Equity | 3.61% | 3.44% | 1.12% | 0.98% | 1.16% | 2.98% | -1.74% | -4.53% | -552 bps | |
| Net Interest Margin | 2.57% | 2.65% | 2.38% | 2.22% | 2.09% | 2.12% | 1.80% | 1.71% | -51 bps | |
| Efficiency Ratio | 88.61% | 89.18% | 96.16% | 96.58% | 95.76% | 98.40% | 107.01% | 118.21% | +2,163 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.96% | 6.79% | 8.98% | 5.99% | 12.04% | 9.40% | 9.79% | 6.99% | +100 bps | |
| Loan Growth (YoY) | -21.20% | -22.05% | -21.41% | -21.83% | -23.21% | -25.62% | -21.32% | -22.04% | -21 bps | |
| Share Growth (YoY) | 4.06% | 7.51% | 9.33% | 6.86% | 13.16% | 10.09% | 10.46% | 7.92% | +106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 0.09% | 0.10% | 0.07% | 0.96% | 1.40% | 1.35% | 1.03% | +96 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 | 1.29% | 1.37% | 1.46% | 1.58% | 0.60% | 0.65% | 0.67% | 0.73% | -85 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.05% | 11.29% | 10.59% | 10.19% | 10.29% | 10.64% | 9.87% | 9.55% | -64 bps | |
| Net Worth / Assets | 11.05% | 11.29% | 10.59% | 10.19% | 10.29% | 10.64% | 9.87% | 9.55% | -64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.68% | 38.99% | 33.31% | 29.40% | 27.61% | 26.35% | 23.73% | 21.24% | -816 bps | |
| Liquid Assets / Assets | 58.54% | 58.59% | 63.60% | 67.96% | 68.05% | 69.81% | 69.32% | 72.73% | +476 bps | |