Miami, FL · Charter 2042
Q3 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | 0.57% | 2.09% | 1.57% | 1.15% | 1.12% | 0.79% | 0.74% | -82 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 9.39% | 9.24% | 6.60% | 6.26% | n/a | |
| Net Interest Margin | 3.24% | 3.26% | 3.25% | 3.16% | 3.00% | 2.77% | 2.71% | 2.70% | -46 bps | |
| Efficiency Ratio | 79.89% | 73.06% | 66.98% | 73.02% | 79.21% | 74.76% | 81.10% | 82.25% | +924 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.34% | -0.38% | -4.31% | -0.15% | -2.48% | 0.39% | 6.71% | 9.07% | +922 bps | |
| Loan Growth (YoY) | 9.93% | 14.35% | 12.22% | 10.63% | 5.10% | 0.41% | 6.11% | 3.47% | -717 bps | |
| Share Growth (YoY) | -6.85% | -4.55% | -5.22% | -0.76% | 2.86% | 3.04% | 5.89% | 6.60% | +735 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.41% | 0.22% | 0.17% | 0.26% | 0.24% | 0.18% | 0.19% | +2 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 | 1.52% | 1.50% | 0.81% | 0.70% | 0.57% | 0.56% | 0.56% | 0.49% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 12.23% | 12.11% | 12.03% | 11.87% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 12.23% | 12.11% | 12.03% | 11.87% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.84% | 77.33% | 76.61% | 79.79% | 79.53% | 75.36% | 76.77% | 77.45% | -234 bps | |
| Liquid Assets / Assets | 14.55% | 10.92% | 7.57% | 5.60% | 6.82% | 107.05% | 115.95% | 15.22% | +961 bps | |