PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

JLB Service Bank

New Castle, DE · Cert 57306

FDIC

Q3 2006

$2.7MAssets
n/aLoans
n/aDeposits
$2.7MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q4 2004Q3 2006

Executive Summary

  • Earnings: ROA of -6.51%, down 3,409 bps year over year; NIM at 3.83%.

Return on Assets (quarter, annualized)

-6.51%-3,409 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+322 bps YoY

Efficiency Ratio (quarter, annualized)

650%+61,595 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

1.03%Q3 ’041.02%Q3 ’053.83%Q3 ’06-17%+525%

Non-interest income vs. expense

13.89%Q3 ’0421.58%Q3 ’05-0.14%Q3 ’06+40%+124%

Discrete quarter, annualized.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets39.41%72.44%0.09%27.58%3.11%-3.71%4.05%-6.51%-3,409 bps
Return on Equity57.69%99.54%0.11%59.31%6.96%-4.57%4.43%-6.51%-6,582 bps
Net Interest Margin1.62%1.69%1.95%0.61%1.52%3.58%3.33%3.83%+322 bps
Efficiency Ratio44.10%23.01%48.60%34.05%76.47%232%-50.00%650%+61,595 bps
Non-Interest Burden-55.35%-76.29%-48.48%-41.19%-6.39%8.32%-1.66%9.93%+5,112 bps
Growth
Asset Growth (YoY)0.80%-17.19%-10.47%48.69%-22.82%-23.78%-43.39%-68.88%-11,757 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)0.00%0.00%0.00%0.00%0.00%0.00%-100.00%-100.00%-10,000 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital61.44%84.96%74.08%31.10%78.20%84.27%110.91%99.96%+6,887 bps
Equity / Assets61.44%84.96%74.08%31.10%78.18%84.27%100.00%99.96%+6,887 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0.00%n/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%58.04%0.00%92.09%0.07%0.19%-5,785 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a