Lake Worth, FL · Charter 17941
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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.
Lake Worth, FL · Charter 17941
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.53% | 0.55% | 0.18% | 0.02% | -27 bps | |
| Return on Equity | 2.36% | 4.36% | 4.37% | 1.57% | 0.17% | -219 bps | |
| Net Interest Margin | 3.53% | 3.44% | 3.51% | 3.00% | 3.02% | -51 bps | |
| Efficiency Ratio | 79.82% | 77.42% | 78.87% | 94.31% | 99.37% | +1,955 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.12% | 13.50% | 10.19% | 15.76% | 6.23% | +111 bps | |
| Loan Growth (YoY) | 4.91% | -1.06% | -8.06% | -15.91% | -20.58% | -2,549 bps | |
| Share Growth (YoY) | 6.11% | 15.53% | 11.30% | 17.82% | 6.58% | +47 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.21% | 0.13% | 0.00% | 0.00% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.20% | 1.09% | 1.56% | 1.70% | +57 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.33% | 12.06% | 12.66% | 11.72% | 12.00% | -33 bps | |
| Net Worth / Assets | 12.33% | 12.06% | 12.66% | 11.72% | 12.00% | -33 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.40% | 42.92% | 43.11% | 37.29% | 35.32% | -1,208 bps | |
| Liquid Assets / Assets | 20.26% | 34.07% | 31.02% | 39.83% | 64.61% | +4,435 bps | |