Boca Raton, FL · Cert 27549
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | 0.97% | 0.97% | 1.06% | 1.08% | 0.99% | 0.84% | 1.07% | +2 bps | |
| Return on Equity | 9.19% | 10.55% | 10.65% | 11.68% | 12.16% | 11.73% | 10.11% | 12.63% | +95 bps | |
| Net Interest Margin | 4.14% | 4.19% | 4.14% | 4.24% | 4.26% | 4.25% | 4.00% | 4.23% | -1 bps | |
| Efficiency Ratio | 74.19% | 75.39% | 71.02% | 66.95% | 66.80% | 67.52% | 71.89% | 66.39% | -56 bps | |
| Non-Interest Burden | 2.93% | 3.03% | 2.80% | 2.53% | 2.64% | 2.70% | 2.75% | 2.65% | +12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.44% | 4.76% | 6.33% | 12.38% | 13.91% | 22.95% | 18.62% | 14.66% | +228 bps | |
| Loan Growth (YoY) | 1.65% | 9.68% | 17.55% | 18.68% | 17.99% | 11.44% | 11.90% | 16.95% | -173 bps | |
| Deposit Growth (YoY) | 7.54% | 7.85% | 12.99% | 14.25% | 13.80% | 22.31% | 17.21% | 8.66% | -559 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 | 0.08% | -0.18% | 0.00% | -0.01% | 0.52% | -0.03% | -0.04% | 0.01% | +2 bps | |
| Allowance / Loans | 1.49% | 1.37% | 1.34% | 1.36% | 1.18% | 1.19% | 1.17% | 1.10% | -26 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 | 12.07% | 12.24% | 12.31% | 12.11% | 11.83% | 11.58% | 12.02% | 11.82% | -29 bps | |
| Equity / Assets | 9.37% | 9.00% | 9.20% | 8.89% | 8.85% | 8.11% | 8.60% | 8.38% | -51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.41% | 95.82% | 95.85% | 89.20% | 96.85% | 87.30% | 91.51% | 96.00% | +681 bps | |
| Liquid Assets / Assets | 2.20% | 4.20% | 0.17% | 7.04% | 0.58% | 7.64% | 0.00% | 0.00% | -703 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |