PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Florida Farm Bureau

Gainesville, FL · Charter 67301

Q1 1999

$5.2MAssets
$2.8MLoans
$4.3MShares
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 5.97%, down 44 bps year over year.
  • Asset quality: problem loans at 1.90% of loans (-75 bps YoY).
  • Funding: loans stand at 64.93% of shares as of Q1 1999.

Financial Results

Return on Assets (quarter, annualized)

5.97%-44 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ1 1998Q2 1998Q3 1998Q4 1998Q1 1999YoY ΔTrend
Earnings
Return on Assets6.41%5.89%5.92%5.81%5.97%-44 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)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 / Loans2.65%2.40%2.19%2.49%1.90%-75 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.35%1.57%0.95%1.15%0.53%-83 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 / Shares67.15%67.42%66.08%64.25%64.93%-222 bps
Liquid Assets / Assets33.07%13.21%9.00%36.07%9.17%-2,390 bps