Jacksonville, FL · Charter 7827
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, 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 7827
Q3 2001
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.91% | 0.81% | 0.76% | 0.77% | -10 bps | |
| Return on Equity | n/a | 8.68% | 7.99% | 7.71% | 8.24% | n/a | |
| Net Interest Margin | 2.92% | 2.88% | 2.76% | 2.67% | 2.47% | -45 bps | |
| Efficiency Ratio | 62.56% | 62.22% | 63.98% | 65.14% | 64.81% | +225 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.81% | 5.90% | 10.28% | 13.66% | 21.12% | +1,231 bps | |
| Loan Growth (YoY) | 6.54% | 7.29% | 7.88% | 10.21% | 4.24% | -230 bps | |
| Share Growth (YoY) | 8.50% | 7.36% | 8.18% | 10.34% | 13.41% | +491 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 0.79% | 0.63% | 0.58% | 0.64% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.93% | 0.95% | 0.94% | 0.99% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 10.52% | 10.11% | 9.90% | 9.33% | n/a | |
| Net Worth / Assets | n/a | 10.52% | 10.11% | 9.90% | 9.33% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.93% | 69.32% | 66.29% | 67.18% | 62.44% | -549 bps | |
| Liquid Assets / Assets | 2.38% | 10.50% | 14.08% | 13.66% | 14.30% | +1,193 bps | |