Jackson, TN · Charter 13755
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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 13755
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.76% | -3.83% | -1.46% | -1.60% | -124 bps | |
| Return on Equity | -2.84% | -7.10% | -43.47% | -16.68% | -18.80% | -1,596 bps | |
| Net Interest Margin | 5.31% | 4.99% | 5.72% | 5.46% | 5.52% | +21 bps | |
| Efficiency Ratio | 98.48% | 103.52% | 104.30% | 116.56% | 118.27% | +1,979 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.41% | -13.71% | -24.67% | -19.46% | -13.46% | +195 bps | |
| Loan Growth (YoY) | -8.84% | -1.48% | 1.92% | -0.20% | -3.53% | +531 bps | |
| Share Growth (YoY) | -16.20% | -14.40% | -26.41% | -21.17% | -8.73% | +747 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.48% | 5.18% | 2.23% | 3.89% | 3.28% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 1.27% | 2.35% | 2.18% | 2.46% | +246 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.72% | 10.63% | 8.81% | 8.77% | 8.50% | -422 bps | |
| Net Worth / Assets | 12.72% | 10.63% | 8.81% | 8.77% | 8.50% | -422 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.36% | 82.33% | 94.05% | 93.00% | 82.82% | +446 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |