Ft. Lauderdale, FL · Charter 67656
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Ft. Lauderdale, FL · Charter 67656
Q1 2002
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 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.24% | 0.26% | 0.27% | 0.18% | -0.04% | -28 bps | |
| Return on Equity | 2.65% | 3.07% | 3.43% | 2.21% | -0.56% | -321 bps | |
| Net Interest Margin | 4.56% | 4.16% | 3.88% | 3.83% | 3.41% | -116 bps | |
| Efficiency Ratio | 89.05% | 89.04% | 88.95% | 90.26% | 93.00% | +395 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.32% | 14.37% | 19.87% | 21.02% | 18.55% | +1,323 bps | |
| Loan Growth (YoY) | 25.60% | 18.43% | 9.63% | -4.51% | -11.34% | -3,693 bps | |
| Share Growth (YoY) | 5.44% | 15.67% | 21.87% | 23.27% | 20.08% | +1,464 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.01% | 0.76% | 0.90% | 2.40% | 2.90% | +189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.54% | 1.46% | 1.50% | 1.63% | 1.75% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.91% | 8.42% | 8.00% | 8.08% | 7.62% | -129 bps | |
| Net Worth / Assets | 8.91% | 8.42% | 8.00% | 8.08% | 7.62% | -129 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.55% | 76.50% | 71.61% | 67.96% | 60.21% | -2,134 bps | |
| Liquid Assets / Assets | 23.48% | 27.46% | 31.78% | 34.93% | 42.40% | +1,893 bps | |