Jackson, MI · Charter 7692
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Jackson, MI · Charter 7692
Q2 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.45% | 0.66% | 0.85% | 0.71% | 0.62% | 0.44% | -1.87% | -272 bps | |
| Return on Equity | 5.06% | 3.22% | 4.79% | 5.83% | 4.91% | 4.27% | 3.15% | -13.89% | -1,972 bps | |
| Net Interest Margin | 4.66% | 4.66% | 4.18% | 4.45% | 4.35% | 4.36% | 4.01% | 4.25% | -21 bps | |
| Efficiency Ratio | 86.43% | 85.28% | 89.04% | 87.00% | 89.11% | 90.48% | 92.46% | 100.32% | +1,331 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.16% | -6.07% | -3.48% | -5.63% | -1.19% | -0.59% | 2.66% | 3.06% | +869 bps | |
| Loan Growth (YoY) | -4.32% | -5.63% | -11.28% | -13.05% | -9.80% | -8.15% | -3.27% | -4.08% | +897 bps | |
| Share Growth (YoY) | -4.80% | -3.32% | -1.27% | -1.67% | 5.25% | 1.58% | 2.51% | 5.31% | +698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.50% | 1.90% | 1.02% | 0.91% | 5.94% | 2.60% | 1.89% | 3.46% | +255 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 | 0.39% | 0.58% | 0.54% | 0.61% | 0.59% | 0.48% | 0.40% | 0.71% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.78% | 13.86% | 13.86% | 14.61% | 14.39% | 14.57% | 14.04% | 13.44% | -117 bps | |
| Net Worth / Assets | 13.78% | 13.86% | 13.86% | 14.61% | 14.39% | 14.57% | 14.04% | 13.44% | -117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 110.09% | 105.87% | 93.09% | 95.59% | 94.35% | 95.73% | 87.84% | 87.07% | -852 bps | |
| Liquid Assets / Assets | 3.58% | 4.23% | 11.89% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |