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Eastern Financial

Miami, FL · Charter 2042

Q3 2001

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: Q3 2001, the quarter ended September 30, 2001, 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

Eastern Financial

Miami, FL · Charter 2042

Q3 2001

$1.2BAssets
$759.8MLoans
$981.0MShares
$143.2MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, down 82 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 0.19% of loans (+2 bps YoY).
  • Capital: net worth / assets of 11.87%.
  • Funding: loans stand at 77.45% of shares as of Q3 2001.

Return on Assets (YTD, annualized)

0.74%-82 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-46 bps YoY

Efficiency Ratio (YTD, annualized)

82.25%+924 bps YoY

Net Worth / Assets

11.87%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-0.42%0.57%2.09%1.57%1.15%1.12%0.79%0.74%-82 bps
Return on Equityn/an/an/an/a9.39%9.24%6.60%6.26%n/a
Net Interest Margin3.24%3.26%3.25%3.16%3.00%2.77%2.71%2.70%-46 bps
Efficiency Ratio79.89%73.06%66.98%73.02%79.21%74.76%81.10%82.25%+924 bps
Growth
Asset Growth (YoY)-0.34%-0.38%-4.31%-0.15%-2.48%0.39%6.71%9.07%+922 bps
Loan Growth (YoY)9.93%14.35%12.22%10.63%5.10%0.41%6.11%3.47%-717 bps
Share Growth (YoY)-6.85%-4.55%-5.22%-0.76%2.86%3.04%5.89%6.60%+735 bps
Asset Quality
Delinquent Loans / Loans0.55%0.41%0.22%0.17%0.26%0.24%0.18%0.19%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.52%1.50%0.81%0.70%0.57%0.56%0.56%0.49%-20 bps
Capital
Risk-Based Capitaln/an/an/an/a12.23%12.11%12.03%11.87%n/a
Net Worth / Assetsn/an/an/an/a12.23%12.11%12.03%11.87%n/a
Liquidity & Funding
Loans / Shares77.84%77.33%76.61%79.79%79.53%75.36%76.77%77.45%-234 bps
Liquid Assets / Assets14.55%10.92%7.57%5.60%6.82%107.05%115.95%15.22%+961 bps