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 -1.98%, down 3,216 bps year over year; NIM at 3.73%.

Return on Assets (YTD, annualized)

-1.98%-3,216 bps YoY

Net Interest Margin (YTD, annualized)

3.73%+264 bps YoY

Efficiency Ratio (YTD, annualized)

650%+61,436 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

0.94%Q3 ’041.41%Q3 ’054.30%Q3 ’06+34%+243%

Non-interest income vs. expense

33.52%Q3 ’0424.69%Q3 ’052.46%Q3 ’06+28%+113%

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets40.08%72.44%35.04%30.18%25.36%-3.71%-0.06%-1.98%-3,216 bps
Return on Equity59.99%99.54%47.84%53.10%42.45%-4.57%-0.07%-2.22%-5,531 bps
Net Interest Margin1.04%1.69%1.73%1.09%1.29%3.58%3.61%3.73%+264 bps
Efficiency Ratio37.63%23.01%36.33%35.64%40.80%232%101.92%650%+61,436 bps
Non-Interest Burden-61.05%-76.29%-58.25%-43.51%-38.05%8.32%3.68%5.81%+4,932 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