Palm Bch.garden, FL · Charter 67940
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.
Palm Bch.garden, FL · Charter 67940
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 | 4.88% | 3.35% | 2.68% | 0.05% | 0.17% | 0.16% | 0.03% | -8.52% | -856 bps | |
| Return on Equity | 46.43% | 30.40% | 23.73% | 0.41% | 1.50% | 1.45% | 0.29% | -85.54% | -8,595 bps | |
| Net Interest Margin | 4.98% | 4.70% | 4.42% | 3.88% | 4.10% | 4.00% | 4.13% | 4.01% | +13 bps | |
| Efficiency Ratio | 40.20% | 50.41% | 55.52% | 94.55% | 90.01% | 91.23% | 92.73% | 261% | +16,665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.91% | -9.43% | -6.21% | -7.11% | -11.18% | -5.09% | -8.02% | -11.53% | -442 bps | |
| Loan Growth (YoY) | -27.17% | -22.25% | -19.04% | -16.97% | 6.48% | 5.14% | 1.06% | -1.69% | +1,529 bps | |
| Share Growth (YoY) | -6.09% | -12.75% | -9.47% | -10.28% | -11.81% | -5.18% | -8.36% | -10.43% | -15 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.27% | 1.05% | 0.95% | 0.70% | 0.88% | 0.91% | 1.36% | 0.46% | -24 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 | 1.83% | 1.69% | 1.19% | 1.34% | 1.23% | 1.17% | 1.35% | 1.29% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.51% | 11.01% | 11.28% | 11.25% | 11.38% | 11.26% | 11.67% | 9.96% | -130 bps | |
| Net Worth / Assets | 10.51% | 11.01% | 11.28% | 11.25% | 11.38% | 11.26% | 11.67% | 9.96% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.18% | 66.44% | 69.64% | 70.64% | 73.86% | 73.67% | 76.81% | 77.53% | +690 bps | |
| Liquid Assets / Assets | 31.87% | 22.35% | 21.21% | 22.01% | 21.02% | 22.72% | 19.61% | 24.02% | +200 bps | |