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Jacksonville O-I

Jacksonville, FL · Charter 67567

Q4 1998

$3.5MAssets
$2.8MLoans
$2.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.82%, down 38 bps year over year.
  • Asset quality: problem loans at 3.53% of loans (+78 bps YoY).
  • Funding: loans stand at 108.17% of shares as of Q4 1998.

Financial Results

Return on Assets (quarter, annualized)

3.82%-38 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ4 1997Q1 1998Q2 1998Q3 1998Q4 1998YoY ΔTrend
Earnings
Return on Assets4.19%3.76%3.56%3.39%3.82%-38 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/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 / Loans2.76%2.68%3.36%2.47%3.53%+78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.92%3.09%3.14%2.65%1.97%-94 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares123.38%114.67%111.01%103.44%108.17%-1,522 bps
Liquid Assets / Assets8.61%12.29%14.57%18.53%17.76%+916 bps