Jackson, MS · Charter 22914
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, 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 22914
Q4 2001
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.51% | -0.27% | -0.87% | -15.61% | -1,595 bps | |
| Return on Equity | n/a | n/a | -2.06% | -7.73% | n/a | n/a | |
| Net Interest Margin | 6.32% | 5.66% | 7.99% | 6.75% | 6.17% | -15 bps | |
| Efficiency Ratio | 53.49% | 54.51% | 54.50% | 73.54% | 87.97% | +3,447 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.87% | 27.15% | -0.74% | -16.00% | -32.66% | -5,153 bps | |
| Loan Growth (YoY) | 34.32% | 41.14% | 13.66% | -22.86% | -42.31% | -7,663 bps | |
| Share Growth (YoY) | 18.45% | 28.11% | 11.16% | -5.34% | -5.76% | -2,421 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.21% | 13.23% | 17.40% | 20.29% | 34.93% | +2,672 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.69% | 4.63% | 7.73% | 6.41% | 26.34% | +2,266 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 12.91% | 11.24% | -0.77% | n/a | |
| Net Worth / Assets | n/a | n/a | 12.91% | 11.24% | -0.77% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.10% | 94.83% | 103.67% | 79.56% | 66.17% | -4,193 bps | |
| Liquid Assets / Assets | 0.13% | 0.00% | 5.31% | 24.75% | 37.90% | +3,777 bps | |