Jacksonville, FL · Charter 17070
Q1 1997
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 1997, the quarter ended March 31, 1997, 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 17070
Q1 1997
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 1996 | Q2 1996 | Q3 1996 | Q4 1996 | Q1 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.29% | 4.52% | n/a | 4.64% | 3.99% | -30 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.28% | -8.30% | -11.69% | -8.75% | -4.78% | -350 bps | |
| Loan Growth (YoY) | -4.07% | 0.33% | 3.20% | 4.01% | 3.67% | +774 bps | |
| Share Growth (YoY) | -4.07% | -12.40% | -14.98% | -11.92% | -6.13% | -205 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 0.95% | 1.34% | 1.26% | 1.36% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.20% | 1.07% | 1.06% | 1.18% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.27% | 71.66% | 74.98% | 76.60% | 75.39% | +712 bps | |
| Liquid Assets / Assets | 27.78% | 22.82% | 21.23% | 22.26% | 20.98% | -680 bps | |