PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jacksonville City Employees

Jacksonville, FL · Charter 67299

Q4 1996

$4.1MAssets
$2.8MLoans
$3.8MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of -6.76%, down 961 bps year over year.
  • Asset quality: problem loans at 0.95% of loans (-41 bps YoY).
  • Funding: loans stand at 74.12% of shares as of Q4 1996.

Return on Assets (YTD, annualized)

-6.76%-961 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996YoY ΔTrend
Earnings
Return on Assets1.93%2.85%3.31%2.68%1.87%-6.76%-961 bps
Return on Equityn/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-12.86%-24.40%n/a
Loan Growth (YoY)n/an/an/an/a-3.57%-25.70%n/a
Share Growth (YoY)n/an/an/an/a-8.64%-17.78%n/a
Asset Quality
Delinquent Loans / Loans0.60%1.35%1.24%2.45%1.56%0.95%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/a
Allowance / Loans1.47%1.07%1.75%2.25%2.28%7.86%+679 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares71.67%82.02%75.00%76.30%75.65%74.12%-790 bps
Liquid Assets / Assets36.17%16.58%22.48%17.41%17.43%23.85%+728 bps