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McNairy Co. Educational

Selmen, TN · Charter 68155

Q1 2009

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: Q1 2009, the quarter ended March 31, 2009, 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

McNairy Co. Educational

Selmen, TN · Charter 68155

Q1 2009

$433KAssets
$109KLoans
$354KShares
$76KNet Worth

Executive Summary

  • Earnings: ROA of -2.57%, down 298 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 1.48% of loans (+148 bps YoY).
  • Capital: net worth / assets of 17.52%, up 42 bps from a year ago.
  • Funding: loans stand at 30.65% of shares as of Q1 2009.

Return on Assets (YTD, annualized)

-2.57%-298 bps YoY

Net Interest Margin (YTD, annualized)

4.22%+69 bps YoY

Efficiency Ratio (YTD, annualized)

81.56%-363 bps YoY

Net Worth / Assets

17.52%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets2.64%2.69%2.43%0.41%0.54%0.55%0.67%-2.57%-298 bps
Return on Equity16.05%15.28%13.39%2.41%3.25%3.45%3.72%-14.65%-1,706 bps
Net Interest Margin4.75%4.86%4.55%3.54%3.23%2.96%3.15%4.22%+69 bps
Efficiency Ratio43.98%44.21%46.48%85.18%80.17%78.60%76.29%81.56%-363 bps
Growth
Asset Growth (YoY)-5.29%-13.73%-13.29%-4.18%6.65%15.81%3.96%-2.79%+140 bps
Loan Growth (YoY)2.52%-13.98%-16.34%1.19%5.74%19.96%19.26%3.69%+250 bps
Share Growth (YoY)-9.04%-18.32%-17.85%-6.92%6.39%18.02%14.89%-3.73%+319 bps
Asset Quality
Delinquent Loans / Loans2.35%0.00%0.00%0.00%0.00%0.00%1.36%1.48%+148 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.07%1.96%1.98%2.02%2.22%2.89%2.75%2.98%+96 bps
Capital
Risk-Based Capital16.42%17.62%18.16%17.11%16.62%15.96%18.14%17.52%+42 bps
Net Worth / Assets16.42%17.62%18.16%17.11%16.62%15.96%18.14%17.52%+42 bps
Liquidity & Funding
Loans / Shares26.66%26.87%29.13%28.45%26.49%27.31%30.24%30.65%+219 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps