Fernandina Be, FL · Charter 3957
Q2 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.36% | 0.41% | 0.55% | 0.62% | +51 bps | |
| Return on Equity | 1.41% | 4.31% | 4.67% | 6.38% | 7.09% | +569 bps | |
| Net Interest Margin | 4.98% | 5.02% | 5.08% | 4.35% | 4.19% | -79 bps | |
| Efficiency Ratio | 68.16% | 66.98% | 68.19% | 77.41% | 79.73% | +1,157 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.73% | -1.99% | -5.28% | -1.22% | -1.58% | -431 bps | |
| Loan Growth (YoY) | -11.65% | -13.75% | -15.12% | -14.47% | -14.85% | -320 bps | |
| Share Growth (YoY) | 2.75% | -3.02% | -6.14% | -1.71% | -2.53% | -528 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 2.54% | 2.56% | 2.19% | 1.68% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.86% | 3.35% | 3.45% | 3.43% | 3.02% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.85% | 8.44% | 8.87% | 8.56% | 8.78% | +93 bps | |
| Net Worth / Assets | 7.85% | 8.44% | 8.87% | 8.56% | 8.78% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.19% | 72.55% | 71.70% | 64.60% | 63.07% | -913 bps | |
| Liquid Assets / Assets | 25.50% | 24.24% | 25.00% | 33.06% | 35.56% | +1,006 bps | |