Bay Pines, FL · Charter 192
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Bay Pines, FL · Charter 192
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | -0.29% | -0.36% | -0.26% | -0.28% | -39 bps | |
| Return on Equity | 1.35% | -3.72% | -4.54% | -3.31% | -3.52% | -487 bps | |
| Net Interest Margin | 3.10% | 2.98% | 3.04% | 2.75% | 2.74% | -36 bps | |
| Efficiency Ratio | 92.39% | 102.10% | 101.80% | 103.30% | 102.00% | +960 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.99% | 4.45% | 6.25% | -0.36% | -3.33% | -533 bps | |
| Loan Growth (YoY) | -17.33% | -14.75% | -15.19% | -8.01% | -9.91% | +742 bps | |
| Share Growth (YoY) | 3.79% | 6.52% | 7.53% | 0.55% | -2.24% | -603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.22% | 2.99% | 3.81% | 5.22% | 2.98% | +76 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.55% | 1.41% | 1.53% | 2.24% | 2.08% | +52 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.39% | 7.90% | 8.01% | 7.76% | 7.81% | -58 bps | |
| Net Worth / Assets | 8.39% | 7.90% | 8.01% | 7.76% | 7.81% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.78% | 40.25% | 40.31% | 40.97% | 39.42% | -336 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |