Miami, FL · Charter 185
Q2 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.13% | 0.65% | 0.71% | 0.62% | 0.44% | 0.49% | 0.59% | -12 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.68% | 5.39% | 6.39% | n/a | |
| Net Interest Margin | 4.25% | 4.14% | 4.28% | 4.41% | 4.23% | 4.15% | 3.94% | 4.08% | -33 bps | |
| Efficiency Ratio | 88.16% | 88.13% | 79.26% | 79.23% | 80.51% | 84.08% | 83.85% | 82.70% | +347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.40% | 7.01% | 6.71% | 4.70% | 6.26% | 4.44% | 7.08% | 9.89% | +519 bps | |
| Loan Growth (YoY) | 6.09% | 5.63% | 5.72% | 6.13% | 6.82% | 7.08% | 7.39% | 10.14% | +401 bps | |
| Share Growth (YoY) | 4.78% | -0.62% | 2.44% | 1.30% | 3.63% | 5.69% | 6.01% | 8.16% | +686 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.77% | 0.69% | 0.48% | 0.42% | 0.50% | 0.40% | 0.41% | 0.44% | +3 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 | 1.07% | 1.07% | 1.10% | 1.10% | 1.06% | 1.02% | 1.01% | 0.97% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 9.39% | 9.10% | 9.21% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 9.39% | 9.10% | 9.21% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.42% | 93.08% | 88.44% | 91.37% | 93.20% | 94.30% | 89.59% | 93.04% | +167 bps | |
| Liquid Assets / Assets | 0.57% | 0.37% | 0.22% | 0.52% | 0.43% | 2.92% | 11.44% | 7.37% | +685 bps | |