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F L A G

Tallahassee, FL · Charter 13912

Q4 2000

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2000, the quarter ended December 31, 2000, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

F L A G

Tallahassee, FL · Charter 13912

Q4 2000

$17.7MAssets
$10.8MLoans
$15.7MShares
$1.5MNet 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 0.54%, down 334 bps year over year; NIM at 3.59%.
  • Asset quality: problem loans at 0.95% of loans (-24 bps YoY).
  • Capital: net worth / assets of 8.41%.
  • Funding: loans stand at 68.68% of shares as of Q4 2000.

Financial Results

Return on Assets (YTD, annualized)

0.54%-334 bps YoY

Net Interest Margin (YTD, annualized)

3.59%

Efficiency Ratio (YTD, annualized)

82.86%

Net Worth / Assets

8.41%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000YoY ΔTrend
Earnings
Return on Assets3.88%3.80%0.43%0.65%0.54%-334 bps
Return on Equityn/an/an/an/a6.42%n/an/a
Net Interest Marginn/an/a3.54%3.70%3.59%n/a
Efficiency Ration/an/a86.16%81.97%82.86%n/a
Growth
Asset Growth (YoY)19.83%18.37%17.33%16.94%7.85%-1,198 bps
Loan Growth (YoY)2.30%-2.67%-5.53%2.08%2.99%+69 bps
Share Growth (YoY)21.63%18.97%17.42%16.84%4.98%-1,665 bps
Asset Quality
Delinquent Loans / Loans1.18%0.87%0.71%0.85%0.95%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.54%1.54%1.35%1.35%1.23%-31 bps
Capital
Risk-Based Capitaln/an/an/an/a8.41%n/an/a
Net Worth / Assetsn/an/an/an/a8.41%n/an/a
Liquidity & Funding
Loans / Shares70.01%65.90%66.60%65.57%68.68%-133 bps
Liquid Assets / Assets23.65%25.23%5.84%14.22%31.11%+747 bps