Jacksonville, FL · Charter 68265
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Jacksonville, FL · Charter 68265
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.41% | 0.49% | 0.46% | 0.30% | -5 bps | |
| Return on Equity | 2.00% | 2.38% | 2.74% | 2.53% | 1.67% | -34 bps | |
| Net Interest Margin | 3.16% | 3.15% | 3.26% | 3.31% | 3.06% | -10 bps | |
| Efficiency Ratio | 96.29% | 92.04% | 89.67% | 90.10% | 91.75% | -454 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.84% | 3.39% | 0.05% | -2.37% | -0.83% | -168 bps | |
| Loan Growth (YoY) | 4.09% | 1.40% | 1.22% | -2.77% | -8.81% | -1,290 bps | |
| Share Growth (YoY) | 0.50% | 3.73% | 0.16% | -3.04% | -1.12% | -162 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.33% | 0.41% | 0.71% | 0.72% | 0.69% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.78% | 0.74% | 0.67% | 0.63% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.28% | 17.31% | 17.81% | 18.31% | 17.86% | +58 bps | |
| Net Worth / Assets | 17.28% | 17.31% | 17.81% | 18.31% | 17.86% | +58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.22% | 67.38% | 69.44% | 68.83% | 62.00% | -523 bps | |
| Liquid Assets / Assets | 23.40% | 0.00% | 0.00% | 0.00% | 0.00% | -2,340 bps | |