Jackson, TN · Charter 68103
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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 68103
Q2 2006
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 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.55% | 0.18% | 0.40% | 0.18% | 0.23% | 0.39% | 0.56% | +16 bps | |
| Return on Equity | 3.52% | 3.38% | 1.09% | 2.42% | 1.10% | 1.33% | 2.38% | 3.27% | +85 bps | |
| Net Interest Margin | 3.41% | 3.61% | 3.52% | 3.67% | 3.67% | 3.88% | 3.36% | 3.61% | -6 bps | |
| Efficiency Ratio | 86.60% | 87.13% | 94.41% | 90.44% | 89.42% | 88.91% | 91.74% | 86.17% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.70% | -1.80% | -1.09% | -1.95% | -2.59% | -3.16% | 0.09% | -2.49% | -54 bps | |
| Loan Growth (YoY) | 7.32% | 3.32% | 2.80% | 4.54% | -6.63% | -7.60% | -8.33% | -13.17% | -1,770 bps | |
| Share Growth (YoY) | 1.25% | -2.78% | -1.92% | -3.09% | -3.53% | -4.25% | 0.37% | -2.74% | +35 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.94% | 0.28% | 0.56% | 1.59% | 1.76% | 0.62% | 0.65% | +9 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 | 0.57% | 0.62% | 0.56% | 0.57% | 0.78% | 0.74% | 0.45% | 0.56% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.55% | 16.42% | 16.00% | 16.47% | 16.22% | 17.19% | 16.25% | 17.20% | +72 bps | |
| Net Worth / Assets | 15.55% | 16.42% | 16.00% | 16.47% | 16.22% | 17.19% | 16.25% | 17.20% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.78% | 72.56% | 68.00% | 72.77% | 67.54% | 70.03% | 62.10% | 64.97% | -780 bps | |
| Liquid Assets / Assets | 36.32% | 33.46% | 36.83% | 33.18% | 37.86% | 35.98% | 42.44% | 0.00% | -3,318 bps | |