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

0.86%Q3 ’020.36%Q3 ’030.18%Q3 ’04-67%-52%

Non-interest income vs. expense

74.22%Q3 ’0276.52%Q3 ’0330.05%Q3 ’04+84%-460%

Executive Summary

  • Earnings: ROA of 9.19%, up 751 bps year over year; NIM at 0.08%.

Financial Results

Return on Assets (quarter, annualized)

9.19%+751 bps YoY

Net Interest Margin (quarter, annualized)

0.08%-9 bps YoY

Efficiency Ratio (quarter, annualized)

61.77%-3,460 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.69%0.82%-1.03%10.69%9.19%+751 bps
Return on Equity2.34%0.98%-1.17%11.97%10.06%+772 bps
Net Interest Margin0.18%0.05%0.03%0.08%0.08%-9 bps
Efficiency Ratio96.37%96.61%96.81%60.39%61.77%-3,460 bps
Non-Interest Burden-2.55%-0.81%1.74%-17.39%-14.32%-1,176 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