Bonifay, FL · Charter 67433
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.88% | 1.19% | 1.41% | 1.26% | 1.20% | +32 bps | |
| Return on Equity | 3.35% | 4.53% | 5.43% | 4.71% | 4.49% | +114 bps | |
| Net Interest Margin | 4.71% | 4.59% | 4.44% | 4.52% | 4.38% | -33 bps | |
| Efficiency Ratio | 78.28% | 76.77% | 71.34% | 74.78% | 75.30% | -298 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.14% | -4.67% | -2.51% | 0.36% | 2.59% | +873 bps | |
| Loan Growth (YoY) | -1.08% | -1.48% | -4.11% | -10.25% | -11.15% | -1,006 bps | |
| Share Growth (YoY) | -9.19% | -7.55% | -4.84% | -1.14% | 1.72% | +1,091 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.28% | 0.34% | 0.27% | 0.38% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.40% | 0.43% | 0.44% | 0.45% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.17% | 26.25% | 25.99% | 26.72% | 26.71% | +54 bps | |
| Net Worth / Assets | 26.17% | 26.25% | 25.99% | 26.72% | 26.71% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.16% | 92.41% | 85.60% | 85.20% | 82.25% | -1,191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |