Jacksonville, FL · Charter 67566
Q1 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.16% | 0.01% | 0.02% | -0.44% | -11 bps | |
| Return on Equity | -2.40% | -1.23% | 0.07% | 0.13% | -3.31% | -91 bps | |
| Net Interest Margin | 4.02% | 3.65% | 3.78% | 3.94% | 3.60% | -43 bps | |
| Efficiency Ratio | 99.66% | 98.59% | 93.26% | 94.14% | 110.38% | +1,072 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.19% | 12.64% | 13.30% | 4.97% | 4.60% | -1,160 bps | |
| Loan Growth (YoY) | -15.35% | -16.71% | -15.73% | -12.84% | -12.80% | +255 bps | |
| Share Growth (YoY) | 18.53% | 14.51% | 15.29% | 5.81% | 5.64% | -1,288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.16% | 0.18% | 0.66% | 0.73% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.75% | 1.08% | 1.03% | 1.17% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.02% | 13.09% | 13.48% | 14.01% | 13.39% | -63 bps | |
| Net Worth / Assets | 14.02% | 13.09% | 13.48% | 14.01% | 13.39% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.25% | 59.66% | 60.43% | 63.31% | 56.34% | -1,191 bps | |
| Liquid Assets / Assets | 34.76% | 31.38% | 29.18% | 28.96% | 32.94% | -183 bps | |