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Jefferson County Schools

Mt. Vernon, IL · Charter 21344

NCUA · 1 branch

Q2 2016

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 2016, the quarter ended June 30, 2016, 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

Jefferson County Schools

Mt. Vernon, IL · Charter 21344

NCUA · 1 branch

Q2 2016

$8.8MAssets
$5.1MLoans
$8.2MShares
$578KNet Worth

Executive Summary

  • Earnings: ROA of 0.32%, up 14 bps year over year; NIM at 2.99%.
  • Asset quality: problem loans at 0.27% of loans (+27 bps YoY).
  • Capital: net worth / assets of 6.58%, up 29 bps from a year ago.
  • Funding: loans stand at 62.05% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

0.32%+14 bps YoY

Net Interest Margin (YTD, annualized)

2.99%-7 bps YoY

Efficiency Ratio (YTD, annualized)

92.41%-234 bps YoY

Net Worth / Assets

6.58%+29 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets0.37%0.33%0.15%0.18%0.19%0.23%0.32%0.32%+14 bps
Return on Equity5.47%4.80%2.29%2.85%2.98%3.48%4.95%4.83%+198 bps
Net Interest Margin3.36%3.39%3.13%3.06%3.14%3.14%2.94%2.99%-7 bps
Efficiency Ratio93.16%93.83%95.03%94.75%94.72%94.44%91.88%92.41%-234 bps
Growth
Asset Growth (YoY)6.11%5.40%8.15%9.06%8.11%8.77%1.15%-0.01%-907 bps
Loan Growth (YoY)-3.68%6.81%3.83%0.38%0.93%-7.29%-8.31%-6.47%-684 bps
Share Growth (YoY)6.27%5.51%8.56%9.49%8.44%9.13%0.96%-0.33%-981 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.02%0.00%0.02%0.02%0.03%0.27%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.09%0.09%0.12%0.12%0.13%0.11%0.10%0.06%-6 bps
Capital
Risk-Based Capital6.80%6.87%6.36%6.29%6.48%6.55%6.55%6.58%+29 bps
Net Worth / Assets6.80%6.87%6.36%6.29%6.48%6.55%6.55%6.58%+29 bps
Liquidity & Funding
Loans / Shares71.56%77.35%68.15%66.13%66.60%65.71%61.89%62.05%-407 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps