Lauderhill, FL · Cert 32518
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.
Lauderhill, FL · Cert 32518
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 | 1.36% | 1.16% | 1.19% | 1.25% | 1.49% | 1.56% | 1.44% | 1.66% | +41 bps | |
| Return on Equity | 15.14% | 13.77% | 14.66% | 15.65% | 20.24% | 21.41% | 19.44% | 21.77% | +613 bps | |
| Net Interest Margin | 4.01% | 3.48% | 3.33% | 3.25% | 3.58% | 3.42% | 3.41% | 3.53% | +28 bps | |
| Efficiency Ratio | 62.07% | 66.00% | 66.79% | 64.69% | 65.95% | 62.07% | 66.51% | 62.09% | -259 bps | |
| Non-Interest Burden | 2.28% | 2.11% | 2.04% | 1.91% | 2.14% | 1.88% | 2.07% | 1.96% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 34.12% | 32.65% | 25.24% | 24.81% | 25.46% | 24.27% | 21.28% | 11.35% | -1,346 bps | |
| Loan Growth (YoY) | 44.19% | 51.39% | 40.30% | 37.31% | 27.63% | 13.53% | 21.82% | 14.24% | -2,307 bps | |
| Deposit Growth (YoY) | 36.21% | 35.97% | 35.78% | 36.66% | 36.22% | 29.98% | 24.69% | 7.78% | -2,888 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 | 0.04% | 0.06% | 0.04% | 0.10% | 0.00% | 0.01% | 0.02% | 0.01% | -9 bps | |
| Allowance / Loans | 1.10% | 1.03% | 1.08% | 1.02% | 1.05% | 1.06% | 1.00% | 1.00% | -1 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 | 12.55% | 10.67% | 10.52% | 10.52% | 10.56% | 11.76% | 11.44% | 11.66% | +114 bps | |
| Equity / Assets | 8.63% | 7.42% | 7.32% | 7.40% | 7.31% | 7.21% | 7.69% | 8.42% | +102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.94% | 95.73% | 91.13% | 87.17% | 86.14% | 83.61% | 89.03% | 92.40% | +523 bps | |
| Liquid Assets / Assets | 0.80% | 2.03% | 1.44% | 0.07% | 2.47% | 4.65% | 2.51% | 0.15% | +7 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |