Miami Beach, FL · Charter 3535
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 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.
Miami Beach, FL · Charter 3535
Q4 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.17% | -1.11% | -1.84% | -1.44% | -4.71% | -354 bps | |
| Return on Equity | -13.11% | -13.26% | -23.48% | -16.94% | -101.61% | -8,850 bps | |
| Net Interest Margin | 4.97% | 5.20% | 5.37% | 5.86% | 5.76% | +79 bps | |
| Efficiency Ratio | 116.45% | 110.30% | 115.44% | 110.96% | 154.40% | +3,795 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.39% | -0.45% | -1.60% | -7.93% | -4.47% | -409 bps | |
| Loan Growth (YoY) | 8.84% | 23.49% | 22.51% | 11.81% | 8.61% | -23 bps | |
| Share Growth (YoY) | 0.75% | 0.99% | -1.17% | -6.45% | -1.28% | -203 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.14% | 1.16% | 0.50% | 0.95% | 0.62% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.60% | 0.72% | 0.76% | 0.59% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.93% | 8.40% | 7.85% | 8.50% | 4.64% | -429 bps | |
| Net Worth / Assets | 8.93% | 8.40% | 7.85% | 8.50% | 4.64% | -429 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.43% | 89.89% | 89.19% | 92.20% | 89.58% | +816 bps | |
| Liquid Assets / Assets | 24.15% | 14.05% | 10.42% | 14.60% | 16.09% | -806 bps | |