Jackson, TN · Charter 10780
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Jackson, TN · Charter 10780
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.17% | 0.07% | 0.00% | -0.04% | -8 bps | |
| Return on Equity | 0.43% | 1.77% | 0.70% | -0.04% | -0.36% | -79 bps | |
| Net Interest Margin | 2.77% | 2.42% | 2.58% | 2.47% | 2.55% | -22 bps | |
| Efficiency Ratio | 85.26% | 90.24% | 86.94% | 91.66% | 94.22% | +897 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.13% | -6.25% | -1.85% | -0.46% | 0.05% | +418 bps | |
| Loan Growth (YoY) | -13.37% | -23.97% | -16.65% | -16.77% | -20.79% | -742 bps | |
| Share Growth (YoY) | -3.73% | -5.97% | -1.84% | -0.33% | 0.72% | +445 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.25% | 4.35% | 4.28% | 3.75% | 2.57% | -168 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.20% | 1.32% | 1.62% | 1.05% | 1.06% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.85% | 9.66% | 9.71% | 9.65% | 9.81% | -4 bps | |
| Net Worth / Assets | 9.85% | 9.66% | 9.71% | 9.65% | 9.81% | -4 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.37% | 41.45% | 41.45% | 41.10% | 39.61% | -1,076 bps | |
| Liquid Assets / Assets | 34.33% | 58.79% | 37.93% | 47.08% | 27.15% | -718 bps | |