Jackson, AL · Charter 61621
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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, AL · Charter 61621
Q2 2015
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.43% | 0.57% | 1.22% | 1.18% | 1.10% | 0.62% | -2.16% | -339 bps | |
| Return on Equity | 2.46% | 1.90% | 2.57% | 5.41% | 5.01% | 4.68% | 2.71% | -9.93% | -1,534 bps | |
| Net Interest Margin | 3.24% | 3.24% | 3.14% | 3.20% | 3.33% | 3.18% | 2.92% | 2.97% | -24 bps | |
| Efficiency Ratio | 86.00% | 88.84% | 84.44% | 69.99% | 71.53% | 72.53% | 81.99% | 161.68% | +9,168 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.75% | 1.28% | 2.31% | -1.32% | -3.12% | 1.53% | 1.90% | 1.03% | +234 bps | |
| Loan Growth (YoY) | -3.17% | -4.76% | -5.78% | -2.88% | -3.17% | -4.62% | -4.25% | -9.67% | -679 bps | |
| Share Growth (YoY) | 5.07% | 1.04% | 2.37% | -2.66% | -5.08% | 0.69% | 1.22% | 1.99% | +464 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.24% | 0.19% | 1.44% | 1.56% | 4.26% | 7.26% | 8.85% | 6.21% | +466 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 | 3.27% | 3.78% | 4.19% | 4.40% | 4.56% | 4.24% | 3.81% | 3.02% | -137 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 21.83% | 22.77% | 22.08% | 22.63% | 23.50% | 23.52% | 22.73% | 21.78% | -85 bps | |
| Net Worth / Assets | 21.83% | 22.77% | 22.08% | 22.63% | 23.50% | 23.52% | 22.73% | 21.78% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.67% | 55.94% | 51.94% | 54.80% | 55.77% | 53.00% | 49.13% | 48.54% | -626 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |