Tallahassee, FL · Charter 4005
Q2 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1997, the quarter ended June 30, 1997, 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.
Tallahassee, FL · Charter 4005
Q2 1997
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 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | Q2 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.59% | n/a | 4.80% | 4.69% | 4.49% | -11 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 9.38% | 6.92% | 5.87% | 9.56% | 10.73% | +136 bps | |
| Loan Growth (YoY) | 10.42% | 12.60% | 14.41% | 16.33% | 16.62% | +620 bps | |
| Share Growth (YoY) | 8.28% | 5.28% | 4.84% | 8.40% | 10.18% | +190 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.87% | 0.97% | 0.96% | 1.04% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.31% | 1.14% | 0.92% | 0.92% | -64 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.52% | 85.78% | 88.71% | 85.77% | 89.45% | +494 bps | |
| Liquid Assets / Assets | 9.14% | 10.00% | 8.37% | 9.77% | 9.26% | +11 bps | |