PackageTrendsPeer
Letter portraitLegal landscape

Real Estate Professionals

Pembroke Pines, FL · Charter 67848

Q4 1998

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: Q4 1998, the quarter ended December 31, 1998, 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

Real Estate Professionals

Pembroke Pines, FL · Charter 67848

Q4 1998

$3.1MAssets
$2.2MLoans
$2.9MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.52%, up 66 bps year over year.
  • Asset quality: problem loans at 2.34% of loans (-260 bps YoY).
  • Funding: loans stand at 77.52% of shares as of Q4 1998.

Return on Assets (YTD, annualized)

3.52%+66 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets2.58%1.73%2.81%2.86%3.06%3.68%4.06%3.52%+66 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)25.40%-7.07%-14.53%-16.55%-11.87%-10.84%-3.74%-8.58%+796 bps
Loan Growth (YoY)-5.52%-1.59%-5.12%-7.30%-10.84%-8.75%-8.65%-10.60%-329 bps
Share Growth (YoY)29.46%-6.55%-14.47%-18.16%-12.04%-10.51%-5.18%-7.76%+1,039 bps
Asset Quality
Delinquent Loans / Loans3.52%3.63%2.68%4.93%4.47%4.65%4.89%2.34%-260 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans2.41%2.80%2.20%2.64%2.77%2.53%2.55%1.96%-68 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares71.70%75.79%79.61%79.97%72.68%77.28%76.70%77.52%-246 bps
Liquid Assets / Assets22.65%19.75%20.18%16.35%22.51%18.05%22.30%19.55%+319 bps