Gainesville, FL · Charter 67301
Q1 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1999, the quarter ended March 31, 1999, 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 67301
Q1 1999
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 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | Q1 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 6.41% | 5.89% | 5.92% | 5.81% | 5.97% | -44 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 13.10% | 9.00% | 8.11% | 3.78% | -0.60% | -1,370 bps | |
| Loan Growth (YoY) | -13.62% | -14.38% | -10.66% | -7.55% | -8.64% | +497 bps | |
| Share Growth (YoY) | 12.93% | 8.25% | 4.14% | 2.32% | -5.52% | -1,845 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.65% | 2.40% | 2.19% | 2.49% | 1.90% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.35% | 1.57% | 0.95% | 1.15% | 0.53% | -83 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.15% | 67.42% | 66.08% | 64.25% | 64.93% | -222 bps | |
| Liquid Assets / Assets | 33.07% | 13.21% | 9.00% | 36.07% | 9.17% | -2,390 bps | |