Lauderhill, FL · Cert 32518
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 | 1.36% | 0.98% | 1.23% | 1.40% | 1.49% | 1.64% | 1.18% | 2.26% | +86 bps | |
| Return on Equity | 15.14% | 12.24% | 16.73% | 19.02% | 20.24% | 22.54% | 15.83% | 28.04% | +902 bps | |
| Net Interest Margin | 4.01% | 3.32% | 3.30% | 3.33% | 3.58% | 3.47% | 3.66% | 3.97% | +64 bps | |
| Efficiency Ratio | 62.07% | 70.19% | 68.33% | 58.62% | 65.95% | 58.31% | 74.59% | 50.50% | -812 bps | |
| Non-Interest Burden | 2.28% | 2.15% | 2.05% | 1.71% | 2.14% | 1.75% | 2.57% | 1.72% | 0 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% | 0.09% | 0.00% | 0.27% | 0.00% | 0.02% | 0.02% | -0.01% | -28 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 |