Tallahassee, FL · Charter 67331
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Tallahassee, FL · Charter 67331
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.59% | 0.52% | 0.19% | -1.12% | -159 bps | |
| Return on Equity | n/a | n/a | 4.23% | 1.54% | -9.13% | n/a | |
| Net Interest Margin | 4.22% | 4.30% | 4.26% | 3.77% | 3.61% | -61 bps | |
| Efficiency Ratio | 90.58% | 88.35% | 89.73% | 95.89% | 122.66% | +3,208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.72% | -11.94% | -14.72% | -14.61% | -9.44% | -72 bps | |
| Loan Growth (YoY) | -1.50% | -3.65% | -7.04% | -16.88% | -23.43% | -2,193 bps | |
| Share Growth (YoY) | -9.32% | -13.44% | -16.94% | -15.40% | -9.87% | -56 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.63% | 0.98% | 1.03% | 0.42% | +7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.95% | 0.97% | 1.07% | 0.93% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.23% | 12.51% | 12.28% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.23% | 12.51% | 12.28% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.26% | 55.53% | 54.07% | 50.33% | 46.10% | -816 bps | |
| Liquid Assets / Assets | 35.56% | 33.50% | 47.27% | 50.19% | 48.27% | +1,271 bps | |