Cooper City, FL · Cert 26873
FDIC
Q1 2004
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.53% | 0.86% | 0.81% | 0.59% | 0.59% | 0.55% | 0.60% | -0.64% | -123 bps | |
| Return on Equity | 4.40% | 7.17% | 6.73% | 4.96% | 4.95% | 4.59% | 4.93% | -5.08% | -1,003 bps | |
| Net Interest Margin | 4.72% | 4.65% | 4.43% | 4.27% | 4.42% | 4.38% | 4.37% | 4.61% | +35 bps | |
| Efficiency Ratio | 84.24% | 86.02% | 85.44% | 81.99% | 81.67% | 82.74% | 82.53% | 109.58% | +2,759 bps | |
| Non-Interest Burden | 3.79% | 3.84% | 3.62% | 3.26% | 3.39% | 3.43% | 3.42% | 5.15% | +190 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.68% | 7.10% | 7.42% | 9.59% | 9.42% | -0.37% | -4.89% | -2.95% | -1,254 bps | |
| Loan Growth (YoY) | 21.45% | 20.31% | 24.35% | 22.63% | 8.92% | 10.85% | 1.10% | -2.03% | -2,467 bps | |
| Deposit Growth (YoY) | -1.72% | 6.90% | 5.24% | 8.34% | 8.13% | -0.70% | -4.83% | -2.19% | -1,053 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 | 0.00% | -1.09% | -0.78% | 0.00% | 0.00% | 0.05% | 0.03% | -0.20% | -20 bps | |
| Allowance / Loans | 1.00% | 1.01% | 0.95% | 0.94% | 0.96% | 0.91% | 0.94% | 1.21% | +27 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 | 20.83% | 20.90% | 20.01% | 19.28% | 20.15% | 20.20% | 21.16% | 20.44% | +116 bps | |
| Equity / Assets | 12.49% | 12.11% | 12.02% | 11.73% | 12.24% | 12.32% | 12.89% | 12.32% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 59.55% | 54.64% | 58.12% | 58.88% | 59.98% | 60.99% | 61.73% | 58.98% | +9 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 1.50% | 1.56% | 1.57% | 1.62% | 0.00% | -150 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |