Boynton Beach, FL · Cert 35211
FDIC
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 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.
Boynton Beach, FL · Cert 35211
FDIC
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.23% | 1.57% | 1.72% | 1.77% | +58 bps | |
| Return on Equity | 16.82% | 17.12% | 20.97% | 23.29% | 24.13% | +731 bps | |
| Net Interest Margin | 3.62% | 3.35% | 3.85% | 3.83% | 3.76% | +14 bps | |
| Efficiency Ratio | 66.52% | 64.97% | 54.86% | 52.66% | 50.87% | -1,565 bps | |
| Non-Interest Burden | 2.33% | 2.11% | 2.07% | 1.97% | 1.87% | -46 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 51.22% | 57.61% | 44.92% | 48.11% | 39.72% | -1,149 bps | |
| Loan Growth (YoY) | 55.04% | 49.64% | 50.49% | 45.76% | 42.53% | -1,250 bps | |
| Deposit Growth (YoY) | 47.33% | 56.83% | 40.37% | 42.07% | 36.86% | -1,048 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.81% | 0.80% | 0.79% | 0.80% | 0.80% | -1 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 10.39% | 12.44% | 11.60% | 10.87% | 10.25% | -14 bps | |
| Equity / Assets | 6.50% | 7.61% | 7.33% | 7.22% | 7.15% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 100.06% | 96.51% | 102.71% | 102.05% | 104.21% | +415 bps | |
| Liquid Assets / Assets | 1.42% | 4.63% | 1.04% | 2.74% | 0.46% | -96 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |