PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bay Gulf

Tampa, FL · Charter 11240

Q3 1998

$81.0MAssets
$57.5MLoans
$73.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.83%, down 5 bps year over year.
  • Asset quality: problem loans at 1.74% of loans (+88 bps YoY).
  • Funding: loans stand at 78.32% of shares as of Q3 1998.

Financial Results

Return on Assets (quarter, annualized)

3.83%-5 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ3 1997Q4 1997Q1 1998Q2 1998Q3 1998YoY ΔTrend
Earnings
Return on Assets3.88%3.59%2.89%3.60%3.83%-5 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)5.89%11.72%13.97%11.96%13.31%+742 bps
Loan Growth (YoY)0.93%2.53%2.62%6.90%9.19%+826 bps
Share Growth (YoY)5.32%12.19%14.31%12.45%13.46%+814 bps
Asset Quality
Delinquent Loans / Loans0.87%1.06%0.82%1.09%1.74%+88 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.69%0.74%0.82%0.79%0.77%+8 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares81.38%77.63%73.82%76.08%78.32%-306 bps
Liquid Assets / Assets7.67%11.20%13.67%10.15%9.94%+227 bps