Malone, FL · Cert 15923
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Malone, FL · Cert 15923
FDIC
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.69% | 0.73% | 0.90% | 0.87% | 0.92% | 0.98% | 1.18% | +28 bps | |
| Return on Equity | 8.66% | 10.06% | 10.43% | 12.38% | 12.24% | 12.97% | 13.85% | 16.46% | +408 bps | |
| Net Interest Margin | 3.03% | 3.21% | 3.24% | 3.81% | 3.69% | 3.71% | 3.40% | 3.83% | +2 bps | |
| Efficiency Ratio | 69.34% | 65.29% | 64.46% | 59.93% | 60.55% | 59.37% | 57.60% | 53.22% | -671 bps | |
| Non-Interest Burden | 1.99% | 1.98% | 1.97% | 2.14% | 2.10% | 2.07% | 1.84% | 1.86% | -29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 46.65% | 34.52% | 20.42% | 13.74% | 12.99% | 19.83% | 23.28% | 19.63% | +589 bps | |
| Loan Growth (YoY) | 34.50% | 40.60% | 35.76% | 42.71% | 26.37% | 17.89% | 12.47% | 10.82% | -3,189 bps | |
| Deposit Growth (YoY) | 48.71% | 35.34% | 20.56% | 13.20% | 13.12% | 19.97% | 23.26% | 19.64% | +644 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 | -0.01% | -0.01% | 0.01% | -0.08% | -0.04% | -0.03% | -0.03% | -0.02% | +6 bps | |
| Allowance / Loans | 1.23% | 1.20% | 1.32% | 1.28% | 1.34% | 1.34% | 1.49% | 1.39% | +11 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 | 10.53% | 10.07% | 11.13% | 10.43% | 10.33% | 9.94% | 11.31% | 10.87% | +44 bps | |
| Equity / Assets | 7.01% | 7.13% | 7.21% | 7.26% | 6.96% | 6.95% | 7.12% | 7.22% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.09% | 82.22% | 75.50% | 82.57% | 81.66% | 80.79% | 68.89% | 76.49% | -609 bps | |
| Liquid Assets / Assets | 0.95% | 0.94% | 0.93% | 0.00% | 0.01% | 0.02% | 0.03% | 0.01% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |