Tallahassee, FL · Charter 60094
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 60094
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.93% | 0.67% | 0.35% | 0.23% | -67 bps | |
| Return on Equity | 7.25% | 7.22% | 5.23% | 2.83% | 1.92% | -533 bps | |
| Net Interest Margin | 5.25% | 5.26% | 5.13% | 4.30% | 4.22% | -104 bps | |
| Efficiency Ratio | 80.41% | 79.40% | 81.85% | 84.55% | 87.76% | +736 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.68% | -7.62% | -6.00% | -1.92% | 4.75% | +1,344 bps | |
| Loan Growth (YoY) | -4.75% | -2.55% | 1.66% | 5.91% | 7.91% | +1,266 bps | |
| Share Growth (YoY) | -10.50% | -9.23% | -7.60% | -3.03% | 4.74% | +1,524 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.56% | 0.50% | 0.72% | 0.35% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.35% | 1.27% | 1.23% | 1.10% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.47% | 12.88% | 12.78% | 12.20% | 12.22% | -25 bps | |
| Net Worth / Assets | 12.47% | 12.88% | 12.78% | 12.20% | 12.22% | -25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.49% | 100.40% | 101.24% | 96.99% | 99.41% | +292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |