Jackson, MI · Charter 62131
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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, MI · Charter 62131
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.09% | -1.11% | -1.15% | -0.92% | -1.18% | -9 bps | |
| Return on Equity | -11.97% | -11.80% | -13.06% | -10.54% | -13.69% | -172 bps | |
| Net Interest Margin | 3.81% | 4.05% | 3.91% | 3.77% | 3.75% | -6 bps | |
| Efficiency Ratio | 114.66% | 114.40% | 116.74% | 117.80% | 122.42% | +776 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.37% | -8.92% | -5.41% | -11.06% | -7.52% | -715 bps | |
| Loan Growth (YoY) | -4.96% | -7.06% | -8.24% | -8.43% | -6.65% | -169 bps | |
| Share Growth (YoY) | 1.07% | -12.35% | -4.61% | -10.67% | -6.63% | -769 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.35% | 0.28% | 0.38% | 0.56% | +20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.60% | 0.66% | 0.69% | 0.67% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.07% | 9.44% | 8.84% | 8.77% | 8.60% | -46 bps | |
| Net Worth / Assets | 9.07% | 9.44% | 8.84% | 8.77% | 8.60% | -46 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.62% | 53.47% | 48.35% | 47.33% | 49.60% | -1 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |