Sarasota, FL · Charter 60669
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Sarasota, FL · Charter 60669
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -1.19% | -5.67% | -3.34% | -1.64% | -89 bps | |
| Return on Equity | -10.96% | -18.62% | -110.85% | -66.90% | -34.19% | -2,323 bps | |
| Net Interest Margin | 3.82% | 3.86% | 3.61% | 3.74% | 3.90% | +8 bps | |
| Efficiency Ratio | 73.09% | 74.11% | 79.94% | 67.50% | 75.15% | +206 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.89% | -4.47% | -7.37% | -10.24% | -7.52% | -463 bps | |
| Loan Growth (YoY) | 3.88% | 1.92% | -2.55% | -8.51% | -6.77% | -1,065 bps | |
| Share Growth (YoY) | -13.67% | -8.56% | -1.96% | -0.99% | -0.13% | +1,354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.99% | 2.92% | 4.38% | 5.15% | 6.15% | +416 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 1.93% | 2.49% | 3.12% | 3.69% | +210 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.87% | 6.38% | 5.12% | 4.99% | 4.79% | -208 bps | |
| Net Worth / Assets | 6.87% | 6.38% | 5.12% | 4.99% | 4.79% | -208 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.35% | 101.02% | 93.75% | 92.27% | 97.41% | -694 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |