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 $0Q4 2002Q3 2004

Executive Summary

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

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
n/a

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%

Discrete quarter, annualized.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-26.36%3.78%4.05%1.69%0.82%-1.03%10.69%9.19%+751 bps
Return on Equity-34.01%4.99%5.60%2.34%0.98%-1.17%11.97%10.06%+772 bps
Net Interest Margin0.40%0.25%0.22%0.18%0.05%0.03%0.08%0.08%-9 bps
Efficiency Ratio219%92.69%91.92%96.37%96.61%96.81%60.39%61.77%-3,460 bps
Non-Interest Burden42.93%-5.96%-6.50%-2.55%-0.81%1.74%-17.39%-14.32%-1,176 bps
Growth
Asset Growth (YoY)-10.33%-8.47%6.85%0.43%217%189.83%184.50%183.25%+18,282 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)-53.78%-100.00%248%-100.00%1307%n/a-53.82%n/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital320%263%234%257%181.37%187.06%135.23%159.02%-9,770 bps
Equity / Assets77.28%74.18%70.73%73.38%86.87%89.88%88.70%94.24%+2,086 bps
Liquidity & Funding
Loans / Deposits0.00%n/a0.00%n/a0.00%0.00%0.00%n/an/a
Liquid Assets / Assets30.33%20.22%16.33%15.47%3.13%3.25%2.17%0.59%-1,488 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a