Jackson B P A

Jackson, MS · Charter 16319

Q4 1997

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: Q4 1997, the quarter ended December 31, 1997, 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 16319

Q4 1997

$56KAssets

$12KLoans

$35KShares

n/aNet Worth

NIM decomposition not available for credit unions

Non-interest trend not available for credit unions

Return on Assets (YTD, annualized)

3.91%+286 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	1.05%	2.28%	0.63%	6.07%	3.91%	+286 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	0.46%	12.37%	12.74%	-8.47%	n/a
Loan Growth (YoY)	n/a	7.11%	36.04%	31.22%	-40.37%	n/a
Share Growth (YoY)	n/a	-0.93%	19.63%	11.14%	-18.18%	n/a
Asset Quality
Delinquent Loans / Loans	0.00%	0.00%	0.80%	5.46%	6.02%	+602 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	0.06%	0.81%	0.45%	0.45%	0.98%	+92 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	47.49%	53.17%	53.15%	54.99%	34.61%	-1,288 bps
Liquid Assets / Assets	63.26%	59.88%	53.09%	45.35%	56.50%	-676 bps