Jackson, OH · Charter 12296
Q2 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2011, the quarter ended June 30, 2011, 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, OH · Charter 12296
Q2 2011
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -5.00% | -1.27% | -0.72% | -1.01% | -0.25% | -0.41% | -0.79% | -0.65% | +36 bps | |
| Return on Equity | -21.01% | -5.39% | -3.01% | -4.09% | -1.10% | -1.80% | -3.44% | -2.66% | +143 bps | |
| Net Interest Margin | 5.75% | 5.41% | 5.39% | 5.46% | 4.56% | 4.48% | 4.18% | 4.49% | -97 bps | |
| Efficiency Ratio | 86.14% | 75.36% | 82.65% | 93.98% | 105.57% | 103.16% | 118.91% | 114.43% | +2,045 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.33% | 2.31% | 4.85% | 0.32% | 5.61% | 2.35% | 1.97% | -1.45% | -177 bps | |
| Loan Growth (YoY) | -3.84% | -8.05% | -10.40% | -15.26% | -12.50% | -18.10% | -21.76% | -12.29% | +297 bps | |
| Share Growth (YoY) | 3.70% | 3.34% | 6.90% | 1.11% | 6.73% | 3.25% | 3.39% | -1.40% | -251 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.97% | 0.95% | 0.95% | 0.91% | 0.00% | 0.18% | 1.60% | +65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.55% | 0.65% | 0.65% | 0.79% | 0.76% | 1.02% | 1.07% | +42 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 23.81% | 23.58% | 23.92% | 24.72% | 23.20% | 22.89% | 22.99% | 24.41% | -32 bps | |
| Net Worth / Assets | 23.81% | 23.58% | 23.92% | 24.72% | 23.20% | 22.89% | 22.99% | 24.41% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 83.90% | 79.43% | 78.28% | 77.06% | 68.78% | 63.01% | 59.23% | 68.55% | -851 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |