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Jamestown Community College

Jamestown, NY · Charter 18681

Q2 2005

$1.0MAssets
$800KLoans
$914KShares
$122KNet 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 0.35%, up 72 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 1.35% of loans (-29 bps YoY).
  • Capital: net worth / assets of 11.77%, up 30 bps from a year ago.
  • Funding: loans stand at 87.45% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.35%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.90%+51 bps YoY

Efficiency Ratio (YTD, annualized)

82.17%-1,991 bps YoY

Net Worth / Assets

11.77%+30 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets-0.37%-0.28%-0.07%0.50%0.35%+72 bps
Return on Equity-3.19%-2.36%-0.54%4.16%3.01%+620 bps
Net Interest Margin3.38%3.60%3.86%4.13%3.90%+51 bps
Efficiency Ratio102.09%99.27%89.36%71.03%82.17%-1,991 bps
Growth
Asset Growth (YoY)1.05%-7.23%-8.54%-4.48%1.86%+81 bps
Loan Growth (YoY)9.34%22.10%20.32%9.20%18.29%+895 bps
Share Growth (YoY)0.16%-6.83%-9.64%-5.29%1.39%+124 bps
Asset Quality
Delinquent Loans / Loans1.64%0.00%0.69%2.44%1.35%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%0.22%0.54%0.82%1.95%+86 bps
Capital
Risk-Based Capital11.47%11.91%12.44%12.02%11.77%+30 bps
Net Worth / Assets11.47%11.91%12.44%12.02%11.77%+30 bps
Liquidity & Funding
Loans / Shares74.96%79.51%85.59%79.52%87.45%+1,249 bps
Liquid Assets / Assets26.72%29.26%23.32%28.54%22.50%-421 bps