Jackson, TN · Charter 67969
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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, TN · Charter 67969
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.11% | 0.37% | 0.63% | -3.59% | -0.67% | -0.78% | -0.93% | -1.41% | +217 bps | |
| Return on Equity | 0.55% | 1.69% | 2.53% | -15.68% | -2.81% | -3.32% | -3.74% | -6.31% | +936 bps | |
| Net Interest Margin | 4.68% | 5.16% | 5.78% | 4.58% | 4.01% | 3.84% | 3.91% | 2.94% | -164 bps | |
| Efficiency Ratio | 87.60% | 83.20% | 79.66% | 90.82% | 94.69% | 83.12% | 87.34% | 109.81% | +1,899 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.92% | -8.98% | -9.99% | -11.02% | -14.41% | -8.83% | -2.84% | 0.76% | +1,178 bps | |
| Loan Growth (YoY) | -6.63% | -9.66% | -9.51% | -21.40% | -26.46% | -31.04% | -27.56% | -23.99% | -259 bps | |
| Share Growth (YoY) | -5.30% | -11.35% | -13.47% | -13.68% | -17.96% | -11.01% | -2.38% | 1.75% | +1,543 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 3.30% | 2.18% | 0.30% | 2.36% | 6.24% | 10.41% | 6.84% | +653 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 | 2.55% | 2.89% | 2.77% | 4.05% | 3.20% | 4.26% | 4.69% | 5.70% | +165 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.09% | 21.74% | 24.91% | 22.88% | 23.68% | 23.56% | 24.72% | 22.39% | -49 bps | |
| Net Worth / Assets | 20.09% | 21.74% | 24.91% | 22.88% | 23.68% | 23.56% | 24.72% | 22.39% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.27% | 81.45% | 94.64% | 77.13% | 71.95% | 63.12% | 70.23% | 57.62% | -1,951 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |