Palm Bch.garden, FL · Charter 67940
Q1 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.05% | 0.17% | 0.16% | 0.03% | -8.52% | -856 bps | |
| Return on Equity | 0.41% | 1.50% | 1.45% | 0.29% | -85.54% | -8,595 bps | |
| Net Interest Margin | 3.88% | 4.10% | 4.00% | 4.13% | 4.01% | +13 bps | |
| Efficiency Ratio | 94.55% | 90.01% | 91.23% | 92.73% | 261% | +16,665 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.11% | -11.18% | -5.09% | -8.02% | -11.53% | -442 bps | |
| Loan Growth (YoY) | -16.97% | 6.48% | 5.14% | 1.06% | -1.69% | +1,529 bps | |
| Share Growth (YoY) | -10.28% | -11.81% | -5.18% | -8.36% | -10.43% | -15 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.88% | 0.91% | 1.36% | 0.46% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.34% | 1.23% | 1.17% | 1.35% | 1.29% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.25% | 11.38% | 11.26% | 11.67% | 9.96% | -130 bps | |
| Net Worth / Assets | 11.25% | 11.38% | 11.26% | 11.67% | 9.96% | -130 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.64% | 73.86% | 73.67% | 76.81% | 77.53% | +690 bps | |
| Liquid Assets / Assets | 22.01% | 21.02% | 22.72% | 19.61% | 24.02% | +200 bps | |