PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Affiliated of Florida, Inc.

Tampa, FL · Charter 61006

Q4 1996

$1.9MAssets
$1.2MLoans
$1.6MShares
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 2.93%, up 58 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-124 bps YoY).
  • Funding: loans stand at 72.78% of shares as of Q4 1996.

Financial Results

Return on Assets (YTD, annualized)

2.93%+58 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets2.35%2.80%3.07%2.65%2.93%+58 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)n/an/an/a-4.90%-11.25%n/a
Loan Growth (YoY)n/an/an/a0.10%21.44%n/a
Share Growth (YoY)n/an/an/a-8.06%-14.87%n/a
Asset Quality
Delinquent Loans / Loans1.24%0.24%1.92%0.65%0.00%-124 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.90%5.72%4.99%5.08%4.41%-149 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 / Shares51.02%58.67%68.63%64.22%72.78%+2,176 bps
Liquid Assets / Assets45.05%37.57%30.65%35.07%29.08%-1,597 bps