W. Palm Beach, FL · Charter 23077
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 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.
W. Palm Beach, FL · Charter 23077
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.12% | -154.42% | -23677% | 0.00% | -4 bps | |
| Return on Equity | 0.57% | -1.02% | -154.51% | n/a | n/a | n/a | |
| Net Interest Margin | 2.66% | 3.66% | 50.11% | -6626% | 0.00% | -266 bps | |
| Efficiency Ratio | 98.50% | 102.82% | 541% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -12.09% | -31.95% | -96.38% | -99.97% | -99.97% | -8,788 bps | |
| Loan Growth (YoY) | -23.59% | -30.76% | -100.00% | -100.00% | -100.00% | -7,641 bps | |
| Share Growth (YoY) | -11.34% | -34.25% | -100.00% | -100.00% | -100.00% | -8,866 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.55% | 2.52% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.46% | 3.19% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 7.76% | 11.30% | 99.94% | 0.00% | 0.00% | -776 bps | |
| Net Worth / Assets | 7.76% | 11.30% | 99.94% | 0.00% | 0.00% | -776 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.94% | 25.70% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |