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
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.45% | -0.42% | 0.11% | -0.36% | -0.76% | -3.83% | -1.46% | -1.60% | -124 bps | |
| Return on Equity | 3.86% | -3.95% | 0.92% | -2.84% | -7.10% | -43.47% | -16.68% | -18.80% | -1,596 bps | |
| Net Interest Margin | 4.55% | 4.32% | 5.21% | 5.31% | 4.99% | 5.72% | 5.46% | 5.52% | +21 bps | |
| Efficiency Ratio | 91.08% | 91.90% | 93.50% | 98.48% | 103.52% | 104.30% | 116.56% | 118.27% | +1,979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.69% | -6.89% | -9.56% | -15.41% | -13.71% | -24.67% | -19.46% | -13.46% | +195 bps | |
| Loan Growth (YoY) | -2.82% | -6.98% | -7.59% | -8.84% | -1.48% | 1.92% | -0.20% | -3.53% | +531 bps | |
| Share Growth (YoY) | 10.99% | -8.69% | -9.86% | -16.20% | -14.40% | -26.41% | -21.17% | -8.73% | +747 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.30% | 6.95% | 6.72% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.68% | 0.83% | 0.00% | 1.27% | 2.35% | 2.18% | 2.46% | +246 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.56% | 10.64% | 11.83% | 12.72% | 10.63% | 8.81% | 8.77% | 8.50% | -422 bps | |
| Net Worth / Assets | 11.56% | 10.64% | 11.83% | 12.72% | 10.63% | 8.81% | 8.77% | 8.50% | -422 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.53% | 67.90% | 73.46% | 78.36% | 82.33% | 94.05% | 93.00% | 82.82% | +446 bps | |
| Liquid Assets / Assets | 34.16% | 36.50% | 32.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |