Naples, FL · Cert 27538
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.31% | 1.08% | 1.29% | 0.99% | 1.03% | 0.77% | -0.58% | -187 bps | |
| Return on Equity | 12.92% | 14.45% | 11.71% | 13.02% | 9.68% | 10.50% | 6.59% | -4.38% | -1,740 bps | |
| Net Interest Margin | 4.04% | 3.92% | 3.87% | 4.44% | 3.50% | 3.43% | 3.36% | 3.37% | -107 bps | |
| Efficiency Ratio | 55.28% | 55.66% | 62.20% | 61.65% | 61.12% | 59.39% | 68.22% | 94.07% | +3,242 bps | |
| Non-Interest Burden | 1.83% | 1.74% | 2.16% | 2.44% | 1.88% | 1.79% | 2.14% | 3.20% | +76 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% | 0.12% | 0.13% | 0.09% | 0.06% | 0.05% | 0.02% | 0.36% | +27 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 |