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Jackson B P A

Jackson, MS · Charter 16319

Q4 1997

$56KAssets
$12KLoans
$35KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 3.91%, up 286 bps year over year.
  • Asset quality: problem loans at 6.02% of loans (+602 bps YoY).
  • Funding: loans stand at 34.61% of shares as of Q4 1997.

Return on Assets (quarter, annualized)

3.91%+286 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.77%2.10%2.49%1.05%2.28%0.63%6.07%3.91%+286 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a0.46%12.37%12.74%-8.47%n/a
Loan Growth (YoY)n/an/an/an/a7.11%36.04%31.22%-40.37%n/a
Share Growth (YoY)n/an/an/an/a-0.93%19.63%11.14%-18.18%n/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.80%5.46%6.02%+602 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.87%1.02%0.99%0.06%0.81%0.45%0.45%0.98%+92 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares49.18%46.73%46.58%47.49%53.17%53.15%54.99%34.61%-1,288 bps
Liquid Assets / Assets58.54%54.62%59.45%63.26%59.88%53.09%45.35%56.50%-676 bps