Lakeland, FL · Charter 67292
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.11% | 0.10% | 0.07% | 0.18% | -4 bps | |
| Return on Equity | 1.62% | 0.75% | 0.74% | 0.46% | 1.19% | -43 bps | |
| Net Interest Margin | 4.05% | 4.16% | 3.89% | 1.41% | 4.38% | +33 bps | |
| Efficiency Ratio | 92.36% | 97.71% | 97.75% | 95.68% | 93.37% | +101 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.99% | -2.57% | 3.31% | -4.79% | -8.92% | -1,491 bps | |
| Loan Growth (YoY) | -3.68% | -6.71% | -7.08% | -7.88% | -8.25% | -457 bps | |
| Share Growth (YoY) | 6.76% | -4.29% | 4.83% | -4.86% | -9.65% | -1,641 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.86% | 1.46% | 1.01% | 1.46% | 1.57% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.30% | 0.32% | 0.29% | 0.30% | 0.58% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.66% | 14.25% | 13.30% | 14.62% | 15.18% | +152 bps | |
| Net Worth / Assets | 13.66% | 14.25% | 13.30% | 14.62% | 15.18% | +152 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.25% | 68.76% | 63.90% | 70.10% | 71.35% | +109 bps | |
| Liquid Assets / Assets | 24.90% | 38.53% | 29.83% | 37.84% | 36.76% | +1,186 bps | |