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West Flordia Medical

Pensacola, FL · Charter 22225

Q4 2011

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 2011, the quarter ended December 31, 2011, 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

West Flordia Medical

Pensacola, FL · Charter 22225

Q4 2011

$3.7MAssets
$851KLoans
$2.9MShares
$684KNet 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 -7.04%, down 625 bps year over year; NIM at 2.62%.
  • Asset quality: problem loans at 0.01% of loans (0 bps YoY).
  • Capital: net worth / assets of 18.64%, down 428 bps from a year ago.
  • Funding: loans stand at 28.96% of shares as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

-7.04%-625 bps YoY

Net Interest Margin (YTD, annualized)

2.62%-26 bps YoY

Efficiency Ratio (YTD, annualized)

203%+8,445 bps YoY

Net Worth / Assets

18.64%-428 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.79%0.61%-0.46%-0.89%-7.04%-625 bps
Return on Equity-3.46%2.67%-1.96%-3.98%-37.78%-3,432 bps
Net Interest Margin2.88%2.56%2.64%2.43%2.62%-26 bps
Efficiency Ratio118.46%104.73%116.88%127.93%203%+8,445 bps
Growth
Asset Growth (YoY)4.08%9.71%2.77%0.69%-11.81%-1,590 bps
Loan Growth (YoY)-29.79%-32.98%-32.73%-33.18%-24.84%+495 bps
Share Growth (YoY)7.09%14.19%5.16%2.79%-8.01%-1,510 bps
Asset Quality
Delinquent Loans / Loans0.00%0.64%0.00%0.00%0.01%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.25%1.50%1.47%1.55%13.49%+1,223 bps
Capital
Risk-Based Capital22.91%22.66%23.65%22.32%18.64%-428 bps
Net Worth / Assets22.91%22.66%23.65%22.32%18.64%-428 bps
Liquidity & Funding
Loans / Shares35.45%32.20%33.54%28.50%28.96%-649 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps