Miami Beach, FL · Charter 3535
Q4 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.85% | -0.35% | -0.97% | -1.17% | -1.11% | -1.84% | -1.44% | -4.71% | -354 bps | |
| Return on Equity | 8.53% | -3.62% | -10.54% | -13.11% | -13.26% | -23.48% | -16.94% | -101.61% | -8,850 bps | |
| Net Interest Margin | 4.77% | 4.74% | 4.84% | 4.97% | 5.20% | 5.37% | 5.86% | 5.76% | +79 bps | |
| Efficiency Ratio | 110.21% | 117.20% | 121.44% | 116.45% | 110.30% | 115.44% | 110.96% | 154.40% | +3,795 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.41% | 1.13% | -5.25% | -0.39% | -0.45% | -1.60% | -7.93% | -4.47% | -409 bps | |
| Loan Growth (YoY) | -11.89% | -6.45% | 1.22% | 8.84% | 23.49% | 22.51% | 11.81% | 8.61% | -23 bps | |
| Share Growth (YoY) | -0.50% | 3.09% | -5.72% | 0.75% | 0.99% | -1.17% | -6.45% | -1.28% | -203 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.38% | 1.77% | 2.46% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.56% | 0.42% | 0.55% | 0.60% | 0.72% | 0.76% | 0.59% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.99% | 9.59% | 9.25% | 8.93% | 8.40% | 7.85% | 8.50% | 4.64% | -429 bps | |
| Net Worth / Assets | 9.99% | 9.59% | 9.25% | 8.93% | 8.40% | 7.85% | 8.50% | 4.64% | -429 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 73.52% | 71.95% | 77.15% | 81.43% | 89.89% | 89.19% | 92.20% | 89.58% | +816 bps | |
| Liquid Assets / Assets | 29.12% | 28.56% | 24.16% | 24.15% | 14.05% | 10.42% | 14.60% | 16.09% | -806 bps | |