Pensacola, FL · Charter 356
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Pensacola, FL · Charter 356
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.66% | 0.76% | 0.47% | 0.46% | 0.79% | +13 bps | |
| Return on Equity | 6.16% | 7.03% | 4.25% | 4.08% | 6.95% | +79 bps | |
| Net Interest Margin | 3.71% | 3.54% | 3.56% | 3.54% | 3.48% | -23 bps | |
| Efficiency Ratio | 92.11% | 93.27% | 94.09% | 94.26% | 88.91% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.67% | -6.16% | -7.66% | -4.72% | -1.64% | +702 bps | |
| Loan Growth (YoY) | 11.62% | 9.09% | 7.39% | 3.27% | 0.06% | -1,156 bps | |
| Share Growth (YoY) | -10.84% | -9.28% | -9.02% | -6.12% | -2.46% | +838 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.24% | 0.54% | 0.92% | 0.97% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.34% | 0.44% | 0.35% | 0.27% | -29 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 10.80% | 11.13% | 11.35% | 11.31% | +68 bps | |
| Net Worth / Assets | 10.64% | 10.80% | 11.13% | 11.35% | 11.31% | +68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.46% | 64.28% | 65.47% | 65.68% | 64.07% | +161 bps | |
| Liquid Assets / Assets | 9.58% | 0.00% | 0.00% | 0.00% | 0.00% | -958 bps | |