West Palm Beach, FL · Cert 91247
FDIC
Q4 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 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.60% | -2.43% | -1.90% | -1.86% | -1.72% | +88 bps | |
| Return on Equity | n/a | -13.80% | -11.24% | -11.21% | -10.43% | n/a | |
| Net Interest Margin | 3.46% | 3.23% | 3.37% | 3.28% | 3.12% | -35 bps | |
| Efficiency Ratio | 135.63% | 144.58% | 135.33% | 135.99% | 133.51% | -212 bps | |
| Non-Interest Burden | 6.31% | 6.85% | 6.25% | 6.12% | 5.68% | -64 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.41% | -22.38% | -10.06% | -4.08% | 0.29% | +2,470 bps | |
| Loan Growth (YoY) | -19.63% | -20.56% | -24.68% | -20.50% | -10.64% | +899 bps | |
| Deposit Growth (YoY) | -26.97% | -28.22% | -9.10% | -5.81% | 2.40% | +2,937 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.51% | -0.03% | 0.29% | 0.44% | 0.48% | -4 bps | |
| Allowance / Loans | 2.44% | 2.55% | 2.53% | 2.57% | 2.44% | 0 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 18.46% | 18.11% | 17.83% | 18.36% | 17.80% | -66 bps | |
| Equity / Assets | 17.60% | 17.70% | 15.61% | 15.70% | 15.89% | -171 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 93.07% | 95.22% | 80.59% | 78.69% | 81.21% | -1,185 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |