Lake City, FL · Charter 67317
Q2 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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.24% | -0.80% | -0.71% | 0.02% | -43 bps | |
| Return on Equity | 3.31% | 1.75% | -6.24% | -5.58% | 0.18% | -313 bps | |
| Net Interest Margin | 4.22% | 3.79% | 4.14% | 3.66% | 3.76% | -46 bps | |
| Efficiency Ratio | 85.20% | 90.64% | 113.17% | 115.82% | 99.49% | +1,429 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.43% | 5.66% | 5.05% | -1.88% | -1.41% | -283 bps | |
| Loan Growth (YoY) | -4.91% | -11.62% | -14.48% | -17.53% | -18.39% | -1,348 bps | |
| Share Growth (YoY) | 0.71% | 5.90% | 6.46% | -2.18% | -1.79% | -250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 1.11% | 0.62% | 0.11% | 0.79% | +32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.36% | 1.42% | 1.47% | 1.16% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.58% | 13.50% | 12.81% | 12.74% | 13.32% | -26 bps | |
| Net Worth / Assets | 13.58% | 13.50% | 12.81% | 12.74% | 13.32% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.31% | 59.61% | 57.33% | 53.91% | 55.10% | -1,121 bps | |
| Liquid Assets / Assets | 29.35% | 30.85% | 32.46% | 33.10% | 17.74% | -1,162 bps | |