Pensacola, FL · Charter 1313
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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.
Pensacola, FL · Charter 1313
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.16% | -0.08% | -0.13% | -0.14% | -7 bps | |
| Return on Equity | -0.46% | -0.99% | -0.45% | -0.76% | -0.85% | -39 bps | |
| Net Interest Margin | 2.09% | 2.09% | 2.19% | 2.18% | 2.00% | -9 bps | |
| Efficiency Ratio | 102.59% | 100.36% | 98.84% | 97.20% | 103.06% | +47 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.89% | 3.73% | -2.11% | -2.48% | -2.75% | -764 bps | |
| Loan Growth (YoY) | -13.60% | -12.41% | -14.88% | -15.42% | -14.82% | -122 bps | |
| Share Growth (YoY) | 5.95% | 5.09% | -1.51% | -2.85% | -1.04% | -699 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 1.04% | 1.62% | 1.27% | 0.87% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.50% | 0.55% | 0.73% | 0.58% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.05% | 16.08% | 16.81% | 16.79% | 16.37% | +31 bps | |
| Net Worth / Assets | 16.05% | 16.08% | 16.81% | 16.79% | 16.37% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.94% | 36.78% | 37.00% | 35.91% | 31.79% | -514 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |