W. Palm Beach, FL · Charter 67302
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 | -0.11% | 0.15% | 0.10% | 0.11% | -3.21% | -310 bps | |
| Return on Equity | -0.92% | 1.26% | 0.85% | 0.95% | -34.02% | -3,310 bps | |
| Net Interest Margin | 3.67% | 3.67% | 3.73% | 3.53% | 3.94% | +27 bps | |
| Efficiency Ratio | 102.64% | 100.14% | 99.25% | 98.69% | 163.87% | +6,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.56% | 4.68% | -1.57% | 8.63% | -3.06% | -1,461 bps | |
| Loan Growth (YoY) | 40.95% | 51.22% | 57.97% | 24.54% | 26.13% | -1,482 bps | |
| Share Growth (YoY) | 13.86% | 5.59% | -1.79% | 10.17% | 0.27% | -1,359 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.17% | 0.08% | 0.09% | 0.09% | 0.08% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.28% | 11.92% | 11.92% | 11.36% | 9.45% | -283 bps | |
| Net Worth / Assets | 12.28% | 11.92% | 11.92% | 11.36% | 9.45% | -283 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.27% | 82.46% | 82.31% | 70.44% | 83.35% | +1,709 bps | |
| Liquid Assets / Assets | 38.76% | 24.39% | 24.63% | 32.00% | 21.88% | -1,688 bps | |