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Jones Tabernacle

Philadelphia, PA · Charter 12467

Q4 2013

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 2013, the quarter ended December 31, 2013, 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

Jones Tabernacle

Philadelphia, PA · Charter 12467

Q4 2013

$84KAssets
$28KLoans
$69KShares
$14KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.49%, up 422 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 65.92% of loans (-971 bps YoY).
  • Capital: net worth / assets of 16.81%, up 584 bps from a year ago.
  • Funding: loans stand at 40.56% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

3.49%+422 bps YoY

Net Interest Margin (YTD, annualized)

2.87%-43 bps YoY

Efficiency Ratio (YTD, annualized)

39.18%-8,166 bps YoY

Net Worth / Assets

16.81%+584 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-0.73%-8.28%-7.40%4.69%3.49%+422 bps
Return on Equity-6.66%-51.41%-48.11%28.26%20.78%+2,744 bps
Net Interest Margin3.31%2.94%3.88%3.78%2.87%-43 bps
Efficiency Ratio120.84%3.93%10.06%37.80%39.18%-8,166 bps
Growth
Asset Growth (YoY)-14.56%-14.67%-15.84%-12.02%-3.76%+1,079 bps
Loan Growth (YoY)-12.10%-5.05%-7.44%-4.79%-4.70%+740 bps
Share Growth (YoY)-19.46%-19.56%-21.14%-18.46%-5.23%+1,423 bps
Asset Quality
Delinquent Loans / Loans75.63%48.76%49.91%65.53%65.92%-971 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans25.15%16.41%17.29%18.14%18.38%-677 bps
Capital
Risk-Based Capital10.97%16.11%15.38%16.60%16.81%+584 bps
Net Worth / Assets10.97%16.11%15.38%16.60%16.81%+584 bps
Liquidity & Funding
Loans / Shares40.33%46.91%45.75%40.80%40.56%+23 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps