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Jefferson City Highway

Jefferson City, MO · Charter 67802

Q4 2015

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: Q4 2015, the quarter ended December 31, 2015, 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

Jefferson City Highway

Jefferson City, MO · Charter 67802

Q4 2015

$69.5MAssets
$31.7MLoans
$61.8MShares
$7.5MNet Worth

Executive Summary

  • Earnings: ROA of -0.67%, down 68 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.72% of loans (+8 bps YoY).
  • Capital: net worth / assets of 10.76%, down 99 bps from a year ago.
  • Funding: loans stand at 51.32% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

-0.67%-68 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-10 bps YoY

Efficiency Ratio (YTD, annualized)

110.13%+1,312 bps YoY

Net Worth / Assets

10.76%-99 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-0.27%-0.10%-0.03%0.01%0.14%0.12%0.11%-0.67%-68 bps
Return on Equity-2.30%-0.90%-0.23%0.08%1.28%1.04%0.94%-6.26%-634 bps
Net Interest Margin2.57%2.51%2.52%2.56%2.37%2.33%2.40%2.46%-10 bps
Efficiency Ratio106.46%103.34%99.73%97.01%96.62%94.93%93.36%110.13%+1,312 bps
Growth
Asset Growth (YoY)-2.44%0.75%0.96%3.37%4.85%3.27%3.42%2.80%-57 bps
Loan Growth (YoY)1.81%7.00%3.69%11.91%10.03%15.23%13.52%5.03%-688 bps
Share Growth (YoY)0.40%0.85%0.97%0.58%1.93%1.97%2.34%3.63%+304 bps
Asset Quality
Delinquent Loans / Loans0.32%0.25%0.44%0.64%0.42%0.41%0.78%0.72%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.55%0.31%0.33%0.39%0.32%0.29%0.36%0.27%-12 bps
Capital
Risk-Based Capital11.68%11.49%11.58%11.75%11.25%11.25%11.31%10.76%-99 bps
Net Worth / Assets11.68%11.49%11.58%11.75%11.25%11.25%11.31%10.76%-99 bps
Liquidity & Funding
Loans / Shares42.88%46.23%47.92%50.64%46.28%52.24%53.16%51.32%+68 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps