PackageTrendsPeer
Letter portraitLegal landscape

Cal-Maine Employees

Jackson, MS · Charter 22973

Q4 2008

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: Q4 2008, the quarter ended December 31, 2008, 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

Cal-Maine Employees

Jackson, MS · Charter 22973

Q4 2008

$727KAssets
$7KLoans
$580KShares
$145KNet Worth

Executive Summary

  • Earnings: ROA of 0.23%, down 149 bps year over year; NIM at 1.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 19.96%, down 4 bps from a year ago.
  • Funding: loans stand at 1.22% of shares as of Q4 2008.

Return on Assets (YTD, annualized)

0.23%-149 bps YoY

Net Interest Margin (YTD, annualized)

1.24%-170 bps YoY

Efficiency Ratio (YTD, annualized)

82.94%+4,098 bps YoY

Net Worth / Assets

19.96%-4 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.32%1.55%1.64%1.72%1.49%0.48%0.14%0.23%-149 bps
Return on Equity7.80%8.20%8.64%8.60%7.45%2.37%0.75%1.17%-743 bps
Net Interest Margin2.53%2.78%2.77%2.94%2.61%1.63%1.13%1.24%-170 bps
Efficiency Ratio47.84%45.65%41.96%41.96%43.79%72.60%88.83%82.94%+4,098 bps
Growth
Asset Growth (YoY)10.35%-0.37%-1.09%-2.54%-8.06%-0.58%8.28%1.41%+395 bps
Loan Growth (YoY)-27.25%-45.94%-57.51%-49.75%-64.08%-73.49%-79.46%-88.25%-3,849 bps
Share Growth (YoY)10.51%-2.27%-3.13%-5.13%-11.64%-2.14%9.73%1.89%+702 bps
Asset Quality
Delinquent Loans / Loans0.37%0.38%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.11%0.04%0.07%0.19%0.25%0.24%0.75%0.00%-19 bps
Capital
Risk-Based Capital16.87%18.87%18.93%20.01%20.06%20.15%17.99%19.96%-4 bps
Net Worth / Assets16.87%18.87%18.93%20.01%20.06%20.15%17.99%19.96%-4 bps
Liquidity & Funding
Loans / Shares16.04%13.65%9.24%10.56%6.52%3.70%1.73%1.22%-934 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps