Coral Gables, FL · Cert 35045
FDIC
Q2 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.33% | 0.04% | -0.68% | 0.02% | 0.03% | -0.08% | -1.38% | -70 bps | |
| Return on Equity | 4.13% | 3.85% | 0.44% | -6.75% | 0.17% | 0.28% | -0.71% | -12.50% | -575 bps | |
| Net Interest Margin | 3.61% | 3.18% | 2.81% | 2.74% | 3.11% | 3.08% | 3.19% | 3.09% | +34 bps | |
| Efficiency Ratio | 77.12% | 83.45% | 97.70% | 95.41% | 95.94% | 103.48% | 100.24% | 110.12% | +1,470 bps | |
| Non-Interest Burden | 2.63% | 2.56% | 2.73% | 2.59% | 2.96% | 3.20% | 3.20% | 3.43% | +84 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.61% | 31.32% | 29.58% | 19.53% | 22.67% | 4.58% | 0.02% | 7.94% | -1,159 bps | |
| Loan Growth (YoY) | 31.80% | 26.18% | 18.95% | 2.80% | 2.23% | 0.60% | 1.12% | 9.73% | +692 bps | |
| Deposit Growth (YoY) | 17.94% | 31.23% | 28.50% | 19.87% | 0.96% | -12.39% | -17.28% | -4.92% | -2,479 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 | 0.00% | 0.00% | 0.00% | 1.78% | -0.08% | -0.85% | 0.07% | -0.01% | -178 bps | |
| Allowance / Loans | 0.97% | 0.96% | 0.98% | 1.08% | 1.07% | 1.19% | 1.22% | 1.21% | +13 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 | 10.04% | 12.36% | 13.43% | 14.72% | 15.24% | 15.13% | 15.24% | 14.07% | -65 bps | |
| Equity / Assets | 8.16% | 9.15% | 9.32% | 10.88% | 10.97% | 11.08% | 11.17% | 10.84% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.30% | 75.48% | 72.12% | 75.21% | 84.35% | 86.67% | 88.16% | 86.80% | +1,159 bps | |
| Liquid Assets / Assets | 17.29% | 22.87% | 18.32% | 24.76% | 31.34% | 31.10% | 30.04% | 28.74% | +399 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |