Panama City, FL · Charter 8794
Q2 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.98% | 0.91% | 1.32% | 1.28% | +41 bps | |
| Return on Equity | 5.91% | 6.45% | 6.40% | 9.26% | 8.44% | +253 bps | |
| Net Interest Margin | 4.69% | 4.90% | 4.61% | 4.78% | 4.99% | +30 bps | |
| Efficiency Ratio | 73.30% | 70.51% | 72.02% | 68.06% | 69.24% | -407 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.46% | 0.03% | 9.21% | 5.08% | 5.39% | +192 bps | |
| Loan Growth (YoY) | 12.26% | 19.17% | 23.34% | 19.29% | 11.59% | -67 bps | |
| Share Growth (YoY) | 3.06% | -1.02% | 9.69% | 4.67% | 4.91% | +185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.55% | 0.09% | 0.70% | 0.00% | 0.56% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.08% | 1.16% | 1.18% | 1.36% | +30 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.73% | 15.27% | 14.23% | 14.23% | 15.13% | +40 bps | |
| Net Worth / Assets | 14.73% | 15.27% | 14.23% | 14.23% | 15.13% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.67% | 88.26% | 83.15% | 81.43% | 84.75% | +508 bps | |
| Liquid Assets / Assets | 27.49% | 20.61% | 19.63% | 23.78% | 11.55% | -1,593 bps | |