Tampa, FL · Charter 68282
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 2003, 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.
Tampa, FL · Charter 68282
Q2 2003
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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.83% | 0.71% | 0.52% | 0.71% | -16 bps | |
| Return on Equity | 7.46% | 7.16% | 5.95% | 4.59% | 6.14% | -132 bps | |
| Net Interest Margin | 3.76% | 3.68% | 3.65% | 3.06% | 3.02% | -74 bps | |
| Efficiency Ratio | 75.41% | 76.07% | 77.15% | 82.27% | 79.99% | +458 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.14% | 7.45% | 3.84% | 4.12% | 6.80% | -134 bps | |
| Loan Growth (YoY) | 7.13% | 9.00% | 8.44% | 8.61% | 9.12% | +199 bps | |
| Share Growth (YoY) | 8.32% | 6.38% | 4.36% | 4.84% | 8.26% | -6 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.47% | 0.57% | 0.68% | 0.67% | 0.37% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.04% | 1.02% | 1.11% | 1.07% | 0.99% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.61% | 11.63% | 11.86% | 11.43% | 11.51% | -10 bps | |
| Net Worth / Assets | 11.61% | 11.63% | 11.86% | 11.43% | 11.51% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.98% | 59.74% | 60.61% | 57.90% | 59.45% | +47 bps | |
| Liquid Assets / Assets | 11.82% | 15.00% | 25.39% | 24.84% | 20.24% | +843 bps | |