Florida, NY · Cert 7054
FDIC
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.
Florida, NY · Cert 7054
FDIC
Q1 2002
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 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.44% | 1.35% | 1.38% | 1.22% | 1.28% | 0.98% | 1.77% | +39 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 11.06% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.94% | 3.79% | 3.57% | 3.43% | 3.73% | -21 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 48.62% | 53.51% | 55.12% | 65.00% | 48.64% | +1 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 1.64% | 1.80% | 1.76% | 2.08% | 1.58% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | 1.91% | 6.11% | 4.76% | 10.51% | 15.28% | 18.71% | 16.55% | +1,180 bps | |
| Loan Growth (YoY) | 26.18% | 24.65% | 27.73% | 26.47% | 21.44% | 21.75% | 20.54% | 18.55% | -792 bps | |
| Deposit Growth (YoY) | 0.74% | -0.15% | 3.58% | 1.95% | 9.12% | 13.87% | 19.69% | 18.84% | +1,689 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 | n/a | n/a | n/a | 0.02% | 0.02% | 0.01% | 0.01% | 0.22% | +20 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.65% | 0.67% | 0.71% | 0.74% | 0.67% | +3 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 | n/a | n/a | n/a | 45.15% | 43.21% | 43.32% | 41.46% | 41.65% | -351 bps | |
| Equity / Assets | n/a | n/a | n/a | 17.31% | 16.66% | 17.00% | 15.94% | 16.00% | -131 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 24.85% | 26.12% | 27.15% | 27.51% | 27.66% | 27.93% | 27.34% | 27.45% | -7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.38% | 1.73% | 1.63% | 2.40% | 2.20% | +82 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |