Pensacola, FL · Charter 60093
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 0.95% | 0.94% | 0.75% | 0.76% | -5 bps | |
| Return on Equity | 5.32% | 6.17% | 6.02% | 5.01% | 5.00% | -31 bps | |
| Net Interest Margin | 3.67% | 3.71% | 3.71% | 3.45% | 3.41% | -26 bps | |
| Efficiency Ratio | 70.66% | 68.91% | 69.23% | 74.74% | 74.21% | +355 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.45% | 3.46% | 2.21% | 5.20% | 6.02% | +57 bps | |
| Loan Growth (YoY) | -10.75% | -2.75% | 5.88% | 9.67% | 12.44% | +2,319 bps | |
| Share Growth (YoY) | 5.52% | 2.76% | 1.37% | 4.61% | 5.75% | +23 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.48% | 0.55% | 0.43% | 0.44% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.09% | 1.15% | 1.16% | 1.18% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.15% | 15.41% | 15.62% | 15.03% | 15.18% | +3 bps | |
| Net Worth / Assets | 15.15% | 15.41% | 15.62% | 15.03% | 15.18% | +3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.65% | 62.57% | 65.00% | 61.68% | 64.48% | +384 bps | |
| Liquid Assets / Assets | 21.37% | 24.06% | 22.31% | 27.99% | 20.20% | -117 bps | |