Jeffersonville, IN · Charter 6847
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Jeffersonville, IN · Charter 6847
Q1 2007
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | -0.81% | -0.58% | 0.42% | 0.50% | 0.37% | 0.40% | -9.33% | -975 bps | |
| Return on Equity | 3.71% | -3.88% | -2.59% | 1.80% | 2.06% | 1.44% | 1.49% | -35.24% | -3,704 bps | |
| Net Interest Margin | 4.26% | 4.59% | 4.90% | 4.71% | 4.95% | 5.19% | 5.36% | 4.94% | +24 bps | |
| Efficiency Ratio | 83.79% | 83.97% | 82.87% | 92.17% | 90.95% | 91.74% | 90.14% | 95.87% | +370 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.27% | -13.12% | -14.27% | -18.30% | -17.23% | -18.13% | -16.34% | -18.18% | +12 bps | |
| Loan Growth (YoY) | 10.05% | 4.62% | 0.74% | -2.81% | -11.68% | -17.22% | -19.73% | -21.35% | -1,854 bps | |
| Share Growth (YoY) | -8.40% | -14.63% | -17.17% | -22.16% | -21.05% | -23.39% | -21.67% | -21.48% | +68 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.59% | 2.01% | 2.32% | 1.71% | 2.12% | 1.79% | 1.77% | 1.55% | -17 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 | 1.27% | 1.78% | 1.81% | 1.89% | 1.65% | 1.68% | 1.76% | 5.03% | +314 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.86% | 20.92% | 22.33% | 23.32% | 24.36% | 25.91% | 27.10% | 26.47% | +315 bps | |
| Net Worth / Assets | 20.86% | 20.92% | 22.33% | 23.32% | 24.36% | 25.91% | 27.10% | 26.47% | +315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.97% | 94.01% | 95.28% | 96.34% | 100.64% | 101.58% | 97.64% | 96.50% | +16 bps | |
| Liquid Assets / Assets | 21.18% | 19.81% | 21.08% | 13.71% | 0.00% | 0.00% | 0.00% | 0.00% | -1,371 bps | |