Jackson, MS · Charter 24821
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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 24821
Q1 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|
| Earnings | ||||||
| Return on Assets | 0.15% | 0.80% | 0.73% | -29.54% | n/a | |
| Return on Equity | 1.35% | 7.23% | 6.46% | -16807% | n/a | |
| Net Interest Margin | 7.24% | 6.61% | 7.14% | 8.30% | n/a | |
| Efficiency Ratio | 84.08% | 76.97% | 69.90% | 107.81% | n/a | |
| Growth | ||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | ||||||
| Delinquent Loans / Loans | 5.09% | 3.35% | 3.41% | 6.43% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.52% | 1.51% | 1.91% | 17.58% | n/a | |
| Capital | ||||||
| Risk-Based Capital | 11.15% | 11.11% | 11.33% | 0.18% | n/a | |
| Net Worth / Assets | 11.15% | 11.11% | 11.33% | 0.18% | n/a | |
| Liquidity & Funding | ||||||
| Loans / Shares | 89.86% | 82.07% | 88.29% | 86.60% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | n/a | |