PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Florida Physicians Assoc.

Jacksonville, FL · Charter 68194

Q2 1999

$317KAssets
$100KLoans
$301KShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.01%, up 61 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 33.04% of shares as of Q2 1999.

Financial Results

Return on Assets (quarter, annualized)

-3.01%+61 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q3 1998Q4 1998Q1 1999Q2 1999YoY ΔTrend
Earnings
Return on Assets-3.62%-3.22%-2.36%-2.21%-3.01%+61 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-16.60%-22.29%-0.57%5.84%4.80%+2,140 bps
Loan Growth (YoY)210%42.27%73.06%-7.65%-27.99%-23,754 bps
Share Growth (YoY)-17.50%-23.22%-1.33%5.44%4.91%+2,241 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.00%1.30%1.20%1.36%1.66%+66 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares48.13%40.65%44.84%38.27%33.04%-1,509 bps
Liquid Assets / Assets48.42%53.48%52.80%60.27%64.70%+1,628 bps