Ocala, FL · Charter 67303
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Ocala, FL · Charter 67303
Q2 2003
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.10% | 1.65% | -5.13% | -4.03% | -2.67% | -477 bps | |
| Return on Equity | 21.72% | 20.81% | -358% | -4903% | -990% | -101,153 bps | |
| Net Interest Margin | 5.20% | 4.28% | 4.46% | 5.26% | 5.48% | +28 bps | |
| Efficiency Ratio | 47.03% | 44.75% | 43.59% | 41.54% | 40.58% | -645 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 36.00% | 70.33% | 62.19% | 37.21% | 17.61% | -1,839 bps | |
| Loan Growth (YoY) | 62.11% | 75.76% | 51.14% | 21.64% | -6.84% | -6,894 bps | |
| Share Growth (YoY) | 38.29% | 76.11% | 79.10% | 52.58% | 29.68% | -861 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.66% | 5.66% | 3.97% | 3.11% | +254 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.99% | 9.85% | 11.66% | 10.05% | +908 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.68% | 7.91% | 1.43% | 0.08% | 0.27% | -941 bps | |
| Net Worth / Assets | 9.68% | 7.91% | 1.43% | 0.08% | 0.27% | -941 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.19% | 86.08% | 76.69% | 74.66% | 70.54% | -2,765 bps | |
| Liquid Assets / Assets | 8.56% | 18.94% | 29.16% | 30.34% | 32.97% | +2,441 bps | |