Fernandina Bch., FL · Charter 67308
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.
Fernandina Bch., FL · Charter 67308
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 | 3.64% | 3.79% | 4.15% | 4.15% | -5.25% | -888 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) | -1.34% | -0.44% | 0.86% | 5.44% | 2.67% | +401 bps | |
| Loan Growth (YoY) | 29.04% | 0.58% | 3.00% | 2.29% | -5.09% | -3,413 bps | |
| Share Growth (YoY) | -3.35% | -2.23% | -0.84% | 4.65% | 3.84% | +719 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.24% | 0.21% | 0.67% | 0.34% | -22 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.17% | 2.24% | 2.15% | 2.07% | 2.92% | +74 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 | 82.61% | 74.44% | 89.07% | 91.74% | 75.52% | -710 bps | |
| Liquid Assets / Assets | 22.24% | 30.99% | 23.33% | 20.39% | 31.58% | +934 bps | |