Naples, FL · Cert 57790
FDIC
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 31.74% | 32.87% | 24.10% | 13.38% | +1,338 bps | |
| Return on Equity | n/a | 45.04% | 46.18% | 34.01% | 18.51% | n/a | |
| Net Interest Margin | 0.00% | -0.35% | 0.07% | 0.25% | 0.03% | +3 bps | |
| Efficiency Ratio | n/a | 80.78% | 79.84% | 83.76% | 90.26% | n/a | |
| Non-Interest Burden | 0.00% | -66.29% | -53.91% | -38.35% | -20.15% | -2,015 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 7.80% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| 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 | 69.28% | 98.07% | 93.25% | 90.66% | 94.98% | +2,570 bps | |
| Equity / Assets | 69.36% | 71.51% | 72.42% | 70.01% | 78.38% | +902 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |