Miami, FL · Cert 25654
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.18% | -1.05% | -2.20% | -3.44% | -4.30% | -2.05% | -1.73% | +47 bps | |
| Return on Equity | 3.07% | 1.89% | -10.51% | -22.69% | -36.62% | -44.51% | -22.22% | -19.17% | +352 bps | |
| Net Interest Margin | 4.29% | 4.62% | 4.32% | 3.83% | 3.26% | 3.26% | 3.77% | 3.27% | -56 bps | |
| Efficiency Ratio | 89.32% | 90.95% | 125.07% | 147.42% | 169.64% | 185.56% | 146.14% | 163.58% | +1,616 bps | |
| Non-Interest Burden | 3.65% | 4.06% | 5.82% | 6.47% | 6.31% | 7.18% | 6.10% | 6.06% | -41 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -16.57% | -14.52% | -20.79% | -13.34% | -20.20% | -24.66% | -19.80% | -29.06% | -1,572 bps | |
| Loan Growth (YoY) | -4.77% | -4.19% | -1.93% | -15.70% | -23.53% | -30.51% | -31.00% | -20.71% | -501 bps | |
| Deposit Growth (YoY) | -20.03% | -17.18% | -21.30% | -13.10% | -19.39% | -23.81% | -19.14% | -29.84% | -1,674 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 | -0.06% | 0.77% | -0.06% | 2.51% | -0.04% | 0.97% | -0.27% | -2.34% | -485 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 15.94% | 16.74% | 15.78% | 15.70% | 16.10% | 14.82% | 14.64% | 15.23% | -47 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.81% | 67.02% | 71.35% | 58.75% | 63.39% | 61.12% | 60.88% | 66.38% | +764 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 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 | n/a | n/a | n/a |