PackageTrendsPeer
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Forestry and Conservation

Tallahassee, FL · Charter 67331

Q2 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Forestry and Conservation

Tallahassee, FL · Charter 67331

Q2 2001

$5.3MAssets
$2.1MLoans
$4.6MShares
$651KNet Worth

Executive Summary

  • Earnings: ROA of -1.12%, down 159 bps year over year; NIM at 3.61%.
  • Asset quality: problem loans at 0.42% of loans (+7 bps YoY).
  • Capital: net worth / assets of 12.28%.
  • Funding: loans stand at 46.10% of shares as of Q2 2001.

Return on Assets (YTD, annualized)

-1.12%-159 bps YoY

Net Interest Margin (YTD, annualized)

3.61%-61 bps YoY

Efficiency Ratio (YTD, annualized)

122.66%+3,208 bps YoY

Net Worth / Assets

12.28%

Year to date, annualized, through each quarter.

MetricQ3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets0.15%0.14%0.39%0.47%0.59%0.52%0.19%-1.12%-159 bps
Return on Equityn/an/an/an/an/a4.23%1.54%-9.13%n/a
Net Interest Margin3.74%3.67%3.81%4.22%4.30%4.26%3.77%3.61%-61 bps
Efficiency Ratio96.57%96.78%91.26%90.58%88.35%89.73%95.89%122.66%+3,208 bps
Growth
Asset Growth (YoY)1.09%3.61%0.64%-8.72%-11.94%-14.72%-14.61%-9.44%-72 bps
Loan Growth (YoY)-8.38%-4.78%-0.03%-1.50%-3.65%-7.04%-16.88%-23.43%-2,193 bps
Share Growth (YoY)1.57%3.35%-0.53%-9.32%-13.44%-16.94%-15.40%-9.87%-56 bps
Asset Quality
Delinquent Loans / Loans0.36%0.42%0.34%0.35%0.63%0.98%1.03%0.42%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.92%0.93%0.92%0.90%0.95%0.97%1.07%0.93%+3 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.23%12.51%12.28%n/a
Net Worth / Assetsn/an/an/an/an/a12.23%12.51%12.28%n/a
Liquidity & Funding
Loans / Shares49.89%48.31%51.23%54.26%55.53%54.07%50.33%46.10%-816 bps
Liquid Assets / Assets41.95%41.02%40.32%35.56%33.50%47.27%50.19%48.27%+1,271 bps