PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of New York Trust Company of Florida, N.A., The

Miami, FL · Cert 91271

FDIC

Q3 2004

$102.5MAssets
n/aLoans
n/aDeposits
$96.6MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q3 2003Q3 2004

NIM

0.95%Q3 ’020.44%Q3 ’030.14%Q3 ’04-63%-69%

Non-interest income vs. expense

72.20%Q3 ’0275.23%Q3 ’0331.32%Q3 ’04+71%-102%

Executive Summary

  • Earnings: ROA of 6.29%, up 312 bps year over year; NIM at 0.06%.

Financial Results

Return on Assets (YTD, annualized)

6.29%+312 bps YoY

Net Interest Margin (YTD, annualized)

0.06%-14 bps YoY

Efficiency Ratio (YTD, annualized)

69.84%-2,380 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets3.18%2.00%-1.03%4.81%6.29%+312 bps
Return on Equity4.30%2.52%-1.17%5.43%7.00%+270 bps
Net Interest Margin0.21%0.07%0.03%0.06%0.06%-14 bps
Efficiency Ratio93.64%94.38%96.81%74.37%69.84%-2,380 bps
Non-Interest Burden-4.82%-1.43%1.74%-7.83%-9.75%-494 bps
Growth
Asset Growth (YoY)0.43%217%189.83%184.50%183.25%+18,282 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)-100.00%1307%n/a-53.82%n/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital257%181.37%187.06%135.23%159.02%-9,770 bps
Equity / Assets73.38%86.87%89.88%88.70%94.24%+2,086 bps
Liquidity & Funding
Loans / Depositsn/a0.00%0.00%0.00%n/an/a
Liquid Assets / Assets15.47%3.13%3.25%2.17%0.59%-1,488 bps
CRE / Total Capitaln/an/an/an/an/an/an/a