EX-3 5 f993.htm Exhibit 99

Exhibit 99.3



Seacoast Banking Corporation of Florida



Loans Outstanding

(percent of total outstandings)


 

1999

2000

2001

2002

M-03

J-03

S-03

D-03

Consumer

12%

18%

21%

23%

21%

21%

21%

21%

Commercial

28%

31%

35%

42%

45%

46%

50%

51%

Residential

60%

51%

44%

35%

34%

33%

29%

28%

Total Loans (in millions)

 $ 778

 $ 845

 $ 785

 $ 688

 $ 662

 $ 651

 $666

 $ 709



Deposit Growth

(in millions)


 

Dec-02

Mar-03

Jun-03

Sep-03

3-Dec

% Growth

NOW & Savings

$473

$491

$497

$512

$528

11.60%

Time

$373

$364

$372

$358

$369

 

DDA

$185

$196

$205

$211

$233

26.30%

Total Deposits

     

9.60%



Non-performing Assets (NPAs)/ Total Assets


 

FY1998

FY1999

FY2000

FY2001

FY2002

FY2003

Seacoast

0.25%

0.25%

0.21%

0.21%

0.18%

0.22%

FL Community Banks

0.53%

0.50%

0.88%

0.30%

0.30%

0.45%



Net Charge-off Ratio


 

FY1997

FY1998

FY1999

FY2000

FY2001

FY2002

FY2003

Seacoast

0.21%

0.11%

0.02%

0.03%

0.02%

0.03%

0.10%

FL Community Banks

0.26%

0.27%

0.25%

0.26%

0.36%

0.37%

0.22%



Loan Loss Reserves/ Nonperforming Loans


 

FY1998

FY1999

FY2000

FY2001

FY2002

FY2003

Seacoast

262.32%

285.42%

343.88%

290.30%

304.60%

565.00%

FL Community Banks

172.58%

181.94%

146.98%

213.49%

203.12%

206.62%



Loan Portfolio Compostion


 

Q1-2003

Q2-2003

Q3-2003

Q4-2003

Real Estate Construction

$84.8

$83.9

$93.5

$107.3

Residential Real Estate

216.6

202.4

188.6

199.5

Commercial Real Estate

235.9

242.1

260.9

270.9

Installment Loans

82.0

79.3

78.9

84.5

C&I

41.8

43

41.9

46.3