Naples, FL · Cert 27538
FDIC
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 31, 2004, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Naples, FL · Cert 27538
FDIC
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.24% | 1.19% | 1.20% | 0.99% | 1.02% | 0.90% | 0.46% | -74 bps | |
| Return on Equity | 12.92% | 13.66% | 13.02% | 12.63% | 9.68% | 10.13% | 8.15% | 3.96% | -866 bps | |
| Net Interest Margin | 4.04% | 3.93% | 3.90% | 3.39% | 3.50% | 3.37% | 3.12% | 2.71% | -68 bps | |
| Efficiency Ratio | 55.28% | 55.47% | 57.61% | 58.90% | 61.12% | 60.25% | 63.09% | 72.50% | +1,359 bps | |
| Non-Interest Burden | 1.83% | 1.76% | 1.89% | 1.72% | 1.88% | 1.79% | 1.77% | 1.86% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.37% | 12.22% | 11.78% | 37.29% | 39.82% | 41.05% | 88.91% | 51.63% | +1,435 bps | |
| Loan Growth (YoY) | 12.25% | 13.92% | 12.54% | 24.44% | 25.19% | 25.10% | 70.85% | 59.88% | +3,544 bps | |
| Deposit Growth (YoY) | 14.24% | 12.57% | 9.71% | 28.47% | 29.92% | 29.73% | 72.89% | 41.29% | +1,283 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 | 0.21% | 0.16% | 0.15% | 0.12% | 0.06% | 0.05% | 0.03% | 0.11% | -1 bps | |
| Allowance / Loans | 1.07% | 1.07% | 1.08% | 1.14% | 1.13% | 1.10% | 1.08% | 0.98% | -15 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 | 10.03% | 10.02% | 10.40% | 10.35% | 10.20% | 10.05% | 10.03% | 10.01% | -34 bps | |
| Equity / Assets | 8.90% | 9.24% | 9.25% | 10.47% | 10.03% | 9.60% | 13.22% | 13.25% | +278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.48% | 93.71% | 96.47% | 90.65% | 87.18% | 90.38% | 95.33% | 102.58% | +1,193 bps | |
| Liquid Assets / Assets | 0.60% | 0.49% | 0.48% | 0.46% | 0.29% | 0.00% | 0.01% | 0.01% | -45 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |