Miami, FL · Charter 2757
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Miami, FL · Charter 2757
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.29% | -2.20% | -2.02% | -2.47% | -2.77% | -2.27% | -2.22% | -0.21% | +225 bps | |
| Return on Equity | -9.99% | -9.22% | -8.52% | -11.60% | -12.80% | -10.36% | -10.52% | -1.06% | +1,054 bps | |
| Net Interest Margin | 4.37% | 4.46% | 4.50% | 3.83% | 4.38% | 4.66% | 4.77% | 5.24% | +141 bps | |
| Efficiency Ratio | 107.30% | 110.41% | 108.72% | 114.74% | 103.53% | 103.26% | 101.62% | 117.40% | +266 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 6.19% | 1.21% | 4.11% | -3.48% | -0.37% | 1.88% | -0.87% | -498 bps | |
| Loan Growth (YoY) | -19.39% | -25.31% | -26.92% | 12.20% | 52.12% | 71.91% | 117.90% | 66.16% | +5,396 bps | |
| Share Growth (YoY) | 8.40% | 10.01% | 3.98% | 3.58% | -3.57% | 8.64% | 3.31% | 12.28% | +870 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.32% | 3.04% | 1.56% | 3.28% | 1.56% | 2.94% | 2.29% | 1.93% | -134 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.27% | 3.13% | 2.75% | 2.85% | 3.18% | 3.24% | 2.96% | 2.49% | -36 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.93% | 23.87% | 23.74% | 21.24% | 21.60% | 21.90% | 21.08% | 19.90% | -134 bps | |
| Net Worth / Assets | 22.93% | 23.87% | 23.74% | 21.24% | 21.60% | 21.90% | 21.08% | 19.90% | -134 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.95% | 54.79% | 53.41% | 64.83% | 88.27% | 86.69% | 112.64% | 95.93% | +3,111 bps | |
| Liquid Assets / Assets | 55.88% | 56.42% | 57.99% | 50.60% | 32.47% | 26.47% | 12.21% | 17.79% | -3,280 bps | |