Florence, SC · Charter 19555
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.56% | -0.92% | 1.55% | 1.30% | -1.05% | -261 bps | |
| Return on Equity | 12.37% | -4.26% | 11.08% | 8.90% | -7.24% | -1,961 bps | |
| Net Interest Margin | 5.53% | 3.19% | 3.98% | 3.63% | 0.23% | -529 bps | |
| Efficiency Ratio | 71.72% | 128.81% | 103.04% | 117.26% | 1861% | +178,947 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.93% | 0.00% | -11.78% | -7.59% | -8.98% | +796 bps | |
| Loan Growth (YoY) | -77.49% | 0.00% | -80.04% | -63.02% | -52.43% | +2,505 bps | |
| Share Growth (YoY) | -10.62% | 0.00% | -3.03% | -8.67% | -10.66% | -5 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 68.10% | 0.00% | 87.31% | 100.00% | 100.00% | +3,190 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 83.40% | 15.60% | 100.00% | 100.00% | 100.00% | +1,660 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.64% | 21.60% | 14.02% | 14.64% | 14.51% | +187 bps | |
| Net Worth / Assets | 12.64% | 21.60% | 14.02% | 14.64% | 14.51% | +187 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 7.44% | 28.18% | 5.01% | 4.51% | 3.96% | -348 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |