PackageTrendsPeer
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Florida Commerce

Tallahassee, FL · Charter 4005

Q2 1997

$83.4MAssets
$66.0MLoans
$73.7MShares
n/aNet 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 4.49%, down 11 bps year over year.
  • Asset quality: problem loans at 1.04% of loans (+26 bps YoY).
  • Funding: loans stand at 89.45% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.49%-11 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q3 1996Q4 1996Q1 1997Q2 1997YoY ΔTrend
Earnings
Return on Assets4.59%n/a4.80%4.69%4.49%-11 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans0.79%0.87%0.97%0.96%1.04%+26 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.56%1.31%1.14%0.92%0.92%-64 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares84.52%85.78%88.71%85.77%89.45%+494 bps
Liquid Assets / Assets9.14%10.00%8.37%9.77%9.26%+11 bps