Lakeland, FL · Charter 66791
Q3 2002
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 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.02% | 0.06% | 0.31% | 0.46% | +40 bps | |
| Return on Equity | 0.60% | -0.23% | 0.62% | 2.95% | 4.54% | +394 bps | |
| Net Interest Margin | 3.62% | 3.59% | 3.59% | 3.79% | 3.74% | +13 bps | |
| Efficiency Ratio | 96.03% | 96.42% | 93.80% | 90.90% | 86.85% | -918 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 22.44% | 18.72% | 7.69% | 1.85% | 6.42% | -1,602 bps | |
| Loan Growth (YoY) | 8.84% | 5.70% | 6.37% | 8.26% | 13.07% | +424 bps | |
| Share Growth (YoY) | 27.25% | 20.65% | 9.89% | 2.75% | 6.98% | -2,027 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.20% | 0.18% | 0.26% | 0.05% | 0.09% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.48% | 0.48% | 0.44% | 0.45% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.52% | 10.32% | 9.80% | 10.37% | 10.17% | -36 bps | |
| Net Worth / Assets | 10.52% | 10.32% | 9.80% | 10.37% | 10.17% | -36 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.38% | 86.73% | 84.38% | 91.32% | 91.31% | +492 bps | |
| Liquid Assets / Assets | 14.15% | 14.55% | 15.06% | 10.89% | 9.84% | -431 bps | |