PackageTrendsPeer
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Bank of Jefferson

Jefferson, SC · Cert 16469

FDIC

Q2 2007

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: 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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), 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

Bank of Jefferson

Jefferson, SC · Cert 16469

FDIC

Q2 2007

$14.3MAssets
$6.8MLoans
$12.3MDeposits
$2.0MEquity
Deposit mix
45%Interest-bearing $5.5M55%Noninterest $6.8MQ2 2006Q2 2007

NIM

6.05%Q2 ’056.28%Q2 ’066.94%Q2 ’07+6%+9%

Non-interest income vs. expense

4.55%Q2 ’054.82%Q2 ’066.97%Q2 ’07+5%+69%

Executive Summary

  • Earnings: ROA of -1.31%, down 237 bps year over year; NIM at 5.97%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.90%.
  • Funding: loans stand at 55.59% of deposits as of Q2 2007.

Financial Results

Return on Assets (YTD, annualized)

-1.31%-237 bps YoY

Net Interest Margin (YTD, annualized)

5.97%+52 bps YoY

Efficiency Ratio (YTD, annualized)

98.64%+2,764 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets1.06%0.91%0.64%0.00%-1.31%-237 bps
Return on Equity7.65%6.49%4.57%0.00%-9.37%-1,702 bps
Net Interest Margin5.45%5.38%5.64%6.16%5.97%+52 bps
Efficiency Ratio71.01%73.00%79.49%92.83%98.64%+2,764 bps
Non-Interest Burden3.48%3.58%4.22%5.65%5.87%+239 bps
Growth
Asset Growth (YoY)0.77%-3.61%0.75%1.16%-5.93%-670 bps
Loan Growth (YoY)-1.76%-4.26%-1.52%-2.56%-10.97%-921 bps
Deposit Growth (YoY)0.60%-4.83%0.12%1.07%-5.99%-660 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.12%0.70%1.00%-0.11%3.90%+278 bps
Allowance / Loans3.04%3.41%3.14%3.47%3.24%+20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital26.38%27.10%26.90%27.61%26.85%+47 bps
Equity / Assets13.73%14.22%13.92%14.27%13.78%+5 bps
Liquidity & Funding
Loans / Deposits58.69%58.39%58.21%58.00%55.59%-311 bps
Liquid Assets / Assets35.35%36.21%29.40%37.05%30.44%-491 bps
CRE / Total Capitaln/an/an/an/an/an/an/a