PackageTrendsPeer
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First Coast

Jacksonville, FL · Charter 831

NCUA · 1 branch

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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

First Coast

Jacksonville, FL · Charter 831

NCUA · 1 branch

Q4 2022

$10.3MAssets
$4.4MLoans
$9.0MShares
$1.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.15%, up 215 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 1.50% of loans (+72 bps YoY).
  • Capital: net worth / assets of 12.65%, up 211 bps from a year ago.
  • Funding: loans stand at 48.41% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

1.15%+215 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+48 bps YoY

Efficiency Ratio (YTD, annualized)

70.82%-4,009 bps YoY

Net Worth / Assets

12.65%+211 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-1.10%-1.34%-1.14%-1.00%-0.46%0.78%0.68%1.15%+215 bps
Return on Equity-9.03%-11.99%-10.80%-9.48%-4.54%6.97%6.17%9.12%+1,860 bps
Net Interest Margin2.87%2.74%2.69%2.71%2.36%2.59%2.68%3.19%+48 bps
Efficiency Ratio117.32%118.52%118.33%110.91%89.29%73.09%74.83%70.82%-4,009 bps
Growth
Asset Growth (YoY)17.95%16.53%19.33%11.06%12.40%0.08%-0.46%-8.32%-1,938 bps
Loan Growth (YoY)1.05%4.90%9.92%0.45%-6.18%-12.47%-18.84%-18.32%-1,878 bps
Share Growth (YoY)21.79%19.73%24.67%14.74%15.35%1.79%-0.98%-10.30%-2,503 bps
Asset Quality
Delinquent Loans / Loans0.55%0.33%0.62%0.78%1.17%1.05%1.57%1.50%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.46%0.57%0.52%0.75%1.01%0.95%1.09%0.87%+13 bps
Capital
Risk-Based Capital12.22%11.18%10.59%10.54%10.04%11.22%11.02%12.65%+211 bps
Net Worth / Assets12.22%11.18%10.59%10.54%10.04%11.22%11.02%12.65%+211 bps
Liquidity & Funding
Loans / Shares59.15%58.86%56.47%53.16%48.12%50.61%46.28%48.41%-475 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps