Jackson, MS · Charter 68185
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, MS · Charter 68185
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.43% | 0.11% | 0.11% | 0.10% | -3 bps | |
| Return on Equity | 1.04% | 3.95% | 0.95% | 1.00% | 0.96% | -8 bps | |
| Net Interest Margin | 2.65% | 2.31% | 2.38% | 2.35% | 2.68% | +3 bps | |
| Efficiency Ratio | 96.74% | 87.93% | 85.37% | 86.51% | 88.01% | -873 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 90.09% | 103.85% | 89.71% | 78.97% | 7.13% | -8,296 bps | |
| Loan Growth (YoY) | 103.03% | 93.17% | 80.11% | 65.19% | 13.16% | -8,987 bps | |
| Share Growth (YoY) | 112.06% | 141.74% | 134.99% | 113.26% | 7.34% | -10,472 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.17% | 5.05% | 5.80% | 4.19% | 5.81% | +164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.33% | 4.69% | 4.27% | 3.93% | 3.78% | -155 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.01% | 10.87% | 11.47% | 10.65% | 10.44% | -157 bps | |
| Net Worth / Assets | 12.01% | 10.87% | 11.47% | 10.65% | 10.44% | -157 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.19% | 75.30% | 80.99% | 81.33% | 83.49% | +429 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |