PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Lake County Schools

Eustis, FL · Charter 67326

Q3 2000

$29.6MAssets
$16.1MLoans
$25.1MShares
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 1.23%, up 35 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.11% of loans (-4 bps YoY).
  • Funding: loans stand at 64.04% of shares as of Q3 2000.

Financial Results

Return on Assets (YTD, annualized)

1.23%+35 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+51 bps YoY

Efficiency Ratio (YTD, annualized)

75.66%-159 bps YoY

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000YoY ΔTrend
Earnings
Return on Assets0.88%0.85%1.14%1.20%1.23%+35 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Margin3.37%3.50%3.51%3.59%3.88%+51 bps
Efficiency Ratio77.25%78.73%74.72%74.36%75.66%-159 bps
Growth
Asset Growth (YoY)18.18%11.25%11.06%2.72%0.71%-1,747 bps
Loan Growth (YoY)0.85%9.16%18.89%23.88%24.21%+2,336 bps
Share Growth (YoY)20.35%11.77%11.62%1.23%-1.17%-2,151 bps
Asset Quality
Delinquent Loans / Loans0.15%0.06%0.05%0.03%0.11%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.64%0.63%0.59%0.50%0.41%-23 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 / Shares50.96%54.49%53.51%56.38%64.04%+1,309 bps
Liquid Assets / Assets38.95%34.56%36.89%37.64%30.47%-848 bps