Boynton Beach, FL · Cert 35211
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.12% | 1.20% | 1.23% | 1.36% | 1.57% | 1.86% | 1.85% | +63 bps | |
| Return on Equity | 16.97% | 14.67% | 17.26% | 18.71% | 19.17% | 20.97% | 25.62% | 25.79% | +708 bps | |
| Net Interest Margin | 4.45% | 4.01% | 4.06% | 3.99% | 3.81% | 3.85% | 4.03% | 4.09% | +9 bps | |
| Efficiency Ratio | 66.88% | 70.10% | 65.78% | 64.25% | 61.00% | 54.86% | 50.68% | 47.70% | -1,654 bps | |
| Non-Interest Burden | 2.91% | 2.74% | 2.57% | 2.48% | 2.26% | 2.07% | 1.99% | 1.91% | -57 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 41.30% | 42.35% | 44.14% | 51.22% | 57.61% | 44.92% | 48.11% | 39.72% | -1,149 bps | |
| Loan Growth (YoY) | 47.58% | 43.91% | 50.12% | 55.04% | 49.64% | 50.49% | 45.76% | 42.53% | -1,250 bps | |
| Deposit Growth (YoY) | 35.78% | 33.91% | 40.64% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.85% | 0.81% | 0.82% | 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 | 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 | 12.32% | 11.14% | 10.60% | 10.39% | 12.44% | 11.60% | 10.87% | 10.25% | -14 bps | |
| Equity / Assets | 8.05% | 7.33% | 6.62% | 6.50% | 7.61% | 7.33% | 7.22% | 7.15% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 101.15% | 95.81% | 99.46% | 100.06% | 96.51% | 102.71% | 102.05% | 104.21% | +415 bps | |
| Liquid Assets / Assets | 0.80% | 1.91% | 0.61% | 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 | n/a | n/a | n/a |