PackageTrendsPeer
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Railroad & Industrial

Tampa, FL · Charter 401

Q2 1997

$111.0MAssets
$51.1MLoans
$97.7MShares
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 4.07%, down 65 bps year over year.
  • Asset quality: problem loans at 1.03% of loans (+24 bps YoY).
  • Funding: loans stand at 52.32% of shares as of Q2 1997.

Financial Results

Return on Assets (quarter, annualized)

4.07%-65 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 Assets4.72%n/a4.73%3.99%4.07%-65 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)6.04%6.39%4.02%5.13%4.04%-201 bps
Loan Growth (YoY)0.45%0.68%0.96%1.24%1.19%+74 bps
Share Growth (YoY)7.00%6.87%4.17%4.54%3.20%-380 bps
Asset Quality
Delinquent Loans / Loans0.79%0.69%0.92%1.10%1.03%+24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.10%1.01%0.92%1.11%1.25%+15 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 / Shares53.36%53.40%54.64%52.93%52.32%-104 bps
Liquid Assets / Assets20.46%16.84%13.79%17.23%21.48%+102 bps