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Jackson City County

Jackson, MI · Charter 62131

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jackson City County

Jackson, MI · Charter 62131

Q2 2013

$7.6MAssets
$3.5MLoans
$7.0MShares
$652KNet Worth

Executive Summary

  • Earnings: ROA of -1.18%, down 9 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.56% of loans (+20 bps YoY).
  • Capital: net worth / assets of 8.60%, down 46 bps from a year ago.
  • Funding: loans stand at 49.60% of shares as of Q2 2013.

Return on Assets (YTD, annualized)

-1.18%-9 bps YoY

Net Interest Margin (YTD, annualized)

3.75%-6 bps YoY

Efficiency Ratio (YTD, annualized)

122.42%+776 bps YoY

Net Worth / Assets

8.60%-46 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.84%-0.75%-0.69%-1.09%-1.11%-1.15%-0.92%-1.18%-9 bps
Return on Equity-8.91%-7.91%-7.76%-11.97%-11.80%-13.06%-10.54%-13.69%-172 bps
Net Interest Margin3.54%3.68%3.68%3.81%4.05%3.91%3.77%3.75%-6 bps
Efficiency Ratio115.80%113.28%108.85%114.66%114.40%116.74%117.80%122.42%+776 bps
Growth
Asset Growth (YoY)8.44%9.84%10.77%-0.37%-8.92%-5.41%-11.06%-7.52%-715 bps
Loan Growth (YoY)0.80%-6.73%-8.55%-4.96%-7.06%-8.24%-8.43%-6.65%-169 bps
Share Growth (YoY)12.14%15.30%13.34%1.07%-12.35%-4.61%-10.67%-6.63%-769 bps
Asset Quality
Delinquent Loans / Loans0.03%0.24%0.23%0.36%0.35%0.28%0.38%0.56%+20 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.57%0.47%0.51%0.60%0.66%0.69%0.67%+16 bps
Capital
Risk-Based Capital9.47%9.45%8.88%9.07%9.44%8.84%8.77%8.60%-46 bps
Net Worth / Assets9.47%9.45%8.88%9.07%9.44%8.84%8.77%8.60%-46 bps
Liquidity & Funding
Loans / Shares50.42%50.26%46.17%49.62%53.47%48.35%47.33%49.60%-1 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps