Davie, FL · Charter 6601
Q1 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2004, the quarter ended March 31, 2004, 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.
Davie, FL · Charter 6601
Q1 2004
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.08% | 0.10% | -0.33% | -0.29% | -0.31% | -0.30% | -2.50% | -217 bps | |
| Return on Equity | 0.14% | 0.28% | 0.33% | -1.09% | -0.98% | -1.04% | -1.02% | -8.67% | -759 bps | |
| Net Interest Margin | 3.99% | 4.01% | 4.07% | 3.68% | 3.54% | 3.52% | 3.44% | 2.45% | -123 bps | |
| Efficiency Ratio | 99.09% | 98.25% | 100.20% | 107.56% | 106.80% | 107.17% | 107.03% | 162.50% | +5,494 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.08% | -4.17% | -5.10% | -0.59% | 0.88% | 1.44% | 5.16% | 1.89% | +249 bps | |
| Loan Growth (YoY) | 22.25% | 28.29% | 13.28% | 21.25% | 13.14% | 8.55% | 5.65% | 1.07% | -2,018 bps | |
| Share Growth (YoY) | -15.98% | -5.48% | -6.51% | -1.75% | 0.71% | 1.65% | 6.46% | 4.47% | +621 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.13% | 0.13% | 3.06% | 3.11% | 2.40% | 0.12% | 0.17% | -289 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 | 2.54% | 2.33% | 2.05% | 2.14% | 2.30% | 2.16% | 1.89% | 2.70% | +56 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 29.86% | 30.25% | 31.06% | 30.18% | 29.54% | 29.63% | 29.24% | 28.77% | -140 bps | |
| Net Worth / Assets | 29.86% | 30.25% | 31.06% | 30.18% | 29.54% | 29.63% | 29.24% | 28.77% | -140 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.88% | 38.59% | 39.45% | 39.70% | 38.06% | 41.21% | 39.14% | 38.41% | -129 bps | |
| Liquid Assets / Assets | 35.84% | 38.37% | 27.78% | 43.68% | 47.88% | 25.33% | 24.27% | 31.20% | -1,248 bps | |