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Jax Navy

Jacksonville, FL · Charter 7827

Q3 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jax Navy

Jacksonville, FL · Charter 7827

Q3 2001

$2.1BAssets
$1.1BLoans
$1.8BShares
$198.9MNet Worth

Executive Summary

  • Earnings: ROA of 0.77%, down 10 bps year over year; NIM at 2.47%.
  • Asset quality: problem loans at 0.64% of loans (-7 bps YoY).
  • Capital: net worth / assets of 9.33%.
  • Funding: loans stand at 62.44% of shares as of Q3 2001.

Return on Assets (YTD, annualized)

0.77%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.47%-45 bps YoY

Efficiency Ratio (YTD, annualized)

64.81%+225 bps YoY

Net Worth / Assets

9.33%

Year to date, annualized, through each quarter.

MetricQ4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.91%0.81%0.86%0.87%0.91%0.81%0.76%0.77%-10 bps
Return on Equityn/an/an/an/a8.68%7.99%7.71%8.24%n/a
Net Interest Margin2.91%2.99%2.99%2.92%2.88%2.76%2.67%2.47%-45 bps
Efficiency Ratio63.65%64.54%63.08%62.56%62.22%63.98%65.14%64.81%+225 bps
Growth
Asset Growth (YoY)11.78%10.34%9.02%8.81%5.90%10.28%13.66%21.12%+1,231 bps
Loan Growth (YoY)10.49%10.94%7.67%6.54%7.29%7.88%10.21%4.24%-230 bps
Share Growth (YoY)10.31%11.89%9.54%8.50%7.36%8.18%10.34%13.41%+491 bps
Asset Quality
Delinquent Loans / Loans0.76%0.66%0.69%0.71%0.79%0.63%0.58%0.64%-7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.88%0.90%0.92%0.92%0.93%0.95%0.94%0.99%+7 bps
Capital
Risk-Based Capitaln/an/an/an/a10.52%10.11%9.90%9.33%n/a
Net Worth / Assetsn/an/an/an/a10.52%10.11%9.90%9.33%n/a
Liquidity & Funding
Loans / Shares69.37%66.47%67.26%67.93%69.32%66.29%67.18%62.44%-549 bps
Liquid Assets / Assets9.07%9.71%3.15%2.38%10.50%14.08%13.66%14.30%+1,193 bps