Gainesville, FL · Charter 60478
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
Gainesville, FL · Charter 60478
Q4 2000
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.53% | -1.42% | -0.98% | -0.35% | 0.10% | +163 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 0.82% | n/a | n/a |
| Net Interest Margin | 4.94% | 4.72% | 4.62% | 5.06% | 4.30% | -64 bps | |
| Efficiency Ratio | 107.63% | 109.22% | 107.30% | 101.08% | 96.88% | -1,075 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.42% | -1.93% | 14.33% | -0.23% | 8.86% | +1,128 bps | |
| Loan Growth (YoY) | -6.49% | -4.22% | 8.28% | 9.78% | -0.18% | +630 bps | |
| Share Growth (YoY) | -1.53% | -0.73% | 17.34% | 0.63% | 11.39% | +1,292 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.90% | 0.28% | 0.61% | 0.76% | 0.53% | -37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 2.41% | 2.42% | 2.65% | 2.49% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 11.65% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 11.65% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.70% | 40.22% | 38.18% | 41.43% | 40.95% | -475 bps | |
| Liquid Assets / Assets | 41.92% | 25.76% | 27.06% | 37.41% | 50.21% | +828 bps | |