PackageTrendsPeer
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Jefferson Bank

Biloxi, MS · Cert 22449

FDIC

Q1 1997

$147.4MAssets
$96.2MLoans
$123.6MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.57%, unchanged from a year ago.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 77.83% of deposits as of Q1 1997.

Return on Assets (YTD, annualized)

0.57%0 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q2 1996Q3 1996Q4 1996Q1 1997YoY ΔTrend
Earnings
Return on Assets0.45%0.77%0.97%0.57%0.52%0.52%0.52%0.57%0 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
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)190.51%192.22%155.98%161.85%9.90%6.43%20.03%19.54%-14,231 bps
Loan Growth (YoY)206%176.55%210%168.99%10.86%21.07%31.71%44.08%-12,491 bps
Deposit Growth (YoY)168.04%180.27%158.46%166.58%10.64%1.00%22.34%19.72%-14,685 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits64.11%62.42%68.69%64.67%64.24%74.83%73.95%77.83%+1,316 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a