N Miami, FL · Charter 68401
Q4 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2000, the quarter ended December 31, 2000, 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.
N Miami, FL · Charter 68401
Q4 2000
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.12% | -8.57% | -24.95% | -6.46% | -5.64% | +48 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | 0.78% | 3.66% | 3.99% | 5.03% | 5.16% | +438 bps | |
| Efficiency Ratio | 876% | 315% | 667% | 195.61% | 181.23% | -69,509 bps | |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | 34.59% | 5.24% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 4250% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | 64.47% | 20.82% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 1.00% | 0.99% | 1.00% | +100 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | -9.14% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | -9.14% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 1.64% | 11.26% | 25.40% | 54.12% | 59.17% | +5,753 bps | |
| Liquid Assets / Assets | 69.25% | 68.72% | 53.87% | 38.79% | 32.24% | -3,701 bps | |