Jackson, MS · Charter 21732
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, MS · Charter 21732
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 | 0.69% | 1.29% | 0.94% | 0.44% | 0.61% | 1.16% | 0.04% | -2.86% | -330 bps | |
| Return on Equity | 4.61% | 7.50% | 5.59% | 2.60% | 3.72% | 6.50% | 0.24% | -17.36% | -1,996 bps | |
| Net Interest Margin | 3.52% | 2.09% | 4.70% | 4.18% | 4.37% | 5.04% | 5.58% | 5.26% | +107 bps | |
| Efficiency Ratio | 82.57% | 3.91% | 88.38% | 89.91% | 82.53% | 76.84% | 70.34% | 125.26% | +3,535 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -6.31% | -7.56% | -6.53% | 0.38% | 3.84% | -1.10% | -1.60% | +493 bps | |
| Loan Growth (YoY) | 8.72% | 20.94% | 28.93% | 28.71% | 18.55% | 6.47% | 0.80% | -0.76% | -2,947 bps | |
| Share Growth (YoY) | -2.72% | -8.83% | -10.89% | -9.24% | -1.30% | 3.02% | -1.70% | -2.37% | +687 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.95% | 0.72% | 0.47% | 0.67% | 2.29% | 0.82% | 1.95% | 1.48% | +81 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 | 1.18% | 0.27% | 0.15% | 0.23% | 0.25% | 0.15% | 0.54% | 0.60% | +38 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.02% | 17.20% | 16.87% | 16.99% | 16.39% | 17.84% | 17.67% | 16.46% | -53 bps | |
| Net Worth / Assets | 15.02% | 17.20% | 16.87% | 16.99% | 16.39% | 17.84% | 17.67% | 16.46% | -53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 42.47% | 54.48% | 52.95% | 52.42% | 51.01% | 56.30% | 54.30% | 53.28% | +86 bps | |
| Liquid Assets / Assets | 62.19% | 49.42% | 54.32% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |