Hialeah, FL · Charter 67853
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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 67853
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.40% | 0.39% | -0.04% | 0.15% | 0.16% | 0.08% | 0.10% | +14 bps | |
| Return on Equity | 3.23% | 3.42% | 3.09% | -0.33% | 1.22% | 1.17% | 0.57% | 0.70% | +103 bps | |
| Net Interest Margin | 4.01% | 4.18% | 4.42% | 4.16% | 4.27% | 4.64% | 4.84% | 4.26% | +10 bps | |
| Efficiency Ratio | 93.65% | 92.73% | 93.34% | 100.71% | 96.67% | 93.57% | 92.18% | 92.99% | -773 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | -4.40% | -8.49% | -10.26% | -8.68% | -11.20% | -10.17% | -7.88% | +238 bps | |
| Loan Growth (YoY) | -4.45% | -6.22% | -11.19% | -13.37% | -10.89% | -11.50% | -8.99% | -9.71% | +366 bps | |
| Share Growth (YoY) | -3.13% | -5.41% | -9.69% | -11.82% | -9.45% | -12.46% | -11.79% | -8.61% | +321 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.31% | 1.93% | 1.49% | 1.32% | 1.68% | 1.85% | 1.94% | 0.86% | -47 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 | 0.75% | 0.89% | 0.88% | 0.76% | 0.39% | 0.69% | 1.05% | 1.17% | +41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.24% | 11.84% | 12.67% | 12.50% | 12.58% | 13.53% | 14.19% | 13.68% | +118 bps | |
| Net Worth / Assets | 11.24% | 11.84% | 12.67% | 12.50% | 12.58% | 13.53% | 14.19% | 13.68% | +118 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.11% | 39.05% | 40.44% | 37.70% | 37.50% | 39.48% | 41.72% | 37.24% | -45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |