Jacksonville, FL · Charter 67567
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 67567
Q4 1998
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 1997 | Q1 1998 | Q2 1998 | Q3 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.19% | 3.76% | 3.56% | 3.39% | 3.82% | -38 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) | -1.43% | 2.69% | 0.02% | 1.45% | -5.89% | -446 bps | |
| Loan Growth (YoY) | -0.86% | -3.75% | -5.57% | -10.04% | -19.64% | -1,878 bps | |
| Share Growth (YoY) | -3.39% | 2.36% | -0.85% | 1.28% | -8.34% | -495 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.76% | 2.68% | 3.36% | 2.47% | 3.53% | +78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 3.09% | 3.14% | 2.65% | 1.97% | -94 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 | 123.38% | 114.67% | 111.01% | 103.44% | 108.17% | -1,522 bps | |
| Liquid Assets / Assets | 8.61% | 12.29% | 14.57% | 18.53% | 17.76% | +916 bps | |