Fort Lauderdale, FL · Cert 27193
FDIC
Q2 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.12% | 2.44% | 0.02%1 | 1.01% | 0.44% | 0.80% | 0.72% | 0.03% | -98 bps | |
| Return on Equity | -33.39% | 23.21% | 0.16% | 8.36% | 3.51% | 6.57% | 5.87% | 0.26% | -811 bps | |
| Net Interest Margin | 4.13% | -7.82% | 4.59% | 4.51% | 4.42% | 4.42% | 4.12% | 3.76% | -75 bps | |
| Efficiency Ratio | 131.17% | 101.69% | 77.05% | 77.16% | 82.02% | 70.40% | 85.03% | 67.94% | -921 bps | |
| Non-Interest Burden | 5.67% | -7.95% | 3.51% | 3.37% | 3.68% | 3.12% | 3.59% | 2.57% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.72% | 31.24% | 18.86% | 8.59% | 10.58% | 12.77% | 1.09% | 5.15% | -344 bps | |
| Loan Growth (YoY) | 17.20% | 16.05% | 31.35% | 20.23% | 14.29% | 21.77% | -4.11% | -10.55% | -3,079 bps | |
| Deposit Growth (YoY) | 25.15% | 40.60% | 13.34% | -0.03% | -1.44% | -7.87% | -3.79% | 2.28% | +231 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 | 0.26% | 0.69% | -0.21% | 2.12% | -0.02% | -0.05% | 0.06% | -0.11% | -223 bps | |
| Allowance / Loans | 2.37% | 2.09% | 1.99% | 1.53% | 1.56% | 1.49% | 1.32% | 1.52% | 0 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 | 10.41% | 10.44% | 9.74% | 10.33% | 10.99% | 10.67% | 11.75% | 12.39% | +206 bps | |
| Equity / Assets | 9.14% | 11.79% | 11.84% | 12.39% | 12.58% | 11.93% | 12.45% | 12.25% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 88.07% | 85.45% | 101.33% | 98.72% | 102.13% | 112.94% | 101.00% | 86.33% | -1,239 bps | |
| Liquid Assets / Assets | 0.23% | 0.79% | 0.17% | 0.10% | 0.11% | 0.03% | 0.04% | 0.01% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |