Hialeah, FL · Charter 67675
Q4 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2004, the quarter ended December 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.
Hialeah, FL · Charter 67675
Q4 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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.85% | -0.56% | -0.41% | -0.43% | -0.89% | -0.43% | -0.29% | -0.70% | -27 bps | |
| Return on Equity | -6.96% | -4.78% | -3.59% | -3.51% | -8.11% | -3.70% | -2.50% | -5.78% | -227 bps | |
| Net Interest Margin | 3.45% | 3.37% | 3.30% | 3.56% | 3.04% | 3.22% | 3.18% | 3.43% | -13 bps | |
| Efficiency Ratio | 101.55% | 100.19% | 99.94% | 100.28% | 93.33% | 95.82% | 97.27% | 101.51% | +124 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.48% | 2.21% | 3.61% | -0.58% | 4.02% | -1.93% | -2.60% | -4.01% | -343 bps | |
| Loan Growth (YoY) | -20.72% | -20.76% | -21.55% | -25.34% | -23.06% | -32.94% | -39.51% | -40.98% | -1,564 bps | |
| Share Growth (YoY) | 1.06% | 4.04% | 5.63% | 0.84% | 0.94% | -0.56% | -2.15% | -3.12% | -396 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.34% | 10.04% | 5.61% | 7.89% | 4.86% | 3.03% | 10.40% | 9.26% | +137 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 | 1.01% | 2.94% | 2.18% | 3.00% | 3.08% | 3.35% | 3.42% | 7.87% | +487 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.26% | 11.65% | 11.48% | 12.26% | 11.03% | 11.54% | 11.48% | 12.07% | -19 bps | |
| Net Worth / Assets | 12.26% | 11.65% | 11.48% | 12.26% | 11.03% | 11.54% | 11.48% | 12.07% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 17.52% | 16.97% | 16.19% | 16.14% | 13.36% | 11.44% | 10.01% | 9.83% | -631 bps | |
| Liquid Assets / Assets | 15.15% | 27.10% | 14.71% | 17.37% | 34.93% | 24.55% | 23.94% | 18.04% | +67 bps | |