Daytona Beach, FL · Charter 67333
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.
Daytona Beach, FL · Charter 67333
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 | 2.29% | 3.24% | 3.38% | 3.35% | 1.53% | -76 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) | 1.81% | -4.32% | -7.43% | -5.21% | -8.95% | -1,077 bps | |
| Loan Growth (YoY) | -3.82% | 1.19% | -2.35% | 9.67% | -1.95% | +187 bps | |
| Share Growth (YoY) | 2.23% | -5.40% | -9.26% | -7.19% | -11.63% | -1,387 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.63% | 0.33% | 0.33% | 0.82% | 0.27% | -137 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.79% | 1.13% | 1.00% | 1.25% | 1.09% | -70 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 | 84.21% | 85.98% | 82.60% | 94.94% | 93.43% | +923 bps | |
| Liquid Assets / Assets | 26.86% | 18.71% | 21.16% | 16.26% | 16.60% | -1,026 bps | |