Tampa, FL · Charter 11239
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, 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.
Tampa, FL · Charter 11239
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.13% | 2.29% | 2.85% | 2.65% | 0.43% | -169 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.34% | 1.20% | -7.85% | -6.00% | -10.03% | -369 bps | |
| Loan Growth (YoY) | -32.47% | -20.79% | -15.92% | -15.75% | -20.68% | +1,179 bps | |
| Share Growth (YoY) | -8.72% | 1.07% | -10.01% | -7.95% | -12.12% | -340 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 4.27% | 1.93% | 3.91% | 3.99% | +268 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.81% | 1.83% | 1.50% | 1.24% | 1.33% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.72% | 55.83% | 62.25% | 60.01% | 51.20% | -552 bps | |
| Liquid Assets / Assets | 47.67% | 48.77% | 41.90% | 45.90% | 48.65% | +97 bps | |