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Employee Plan

Jackson, MS · Charter 22914

Q4 2001

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 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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Employee Plan

Jackson, MS · Charter 22914

Q4 2001

$669KAssets
$542KLoans
$819KShares
$-5KNet Worth

Executive Summary

  • Earnings: ROA of -15.61%, down 1,595 bps year over year; NIM at 6.17%.
  • Asset quality: problem loans at 34.93% of loans (+2,672 bps YoY).
  • Capital: net worth / assets of -0.77%.
  • Funding: loans stand at 66.17% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

-15.61%-1,595 bps YoY

Net Interest Margin (YTD, annualized)

6.17%-15 bps YoY

Efficiency Ratio (YTD, annualized)

87.97%+3,447 bps YoY

Net Worth / Assets

-0.77%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets4.52%5.57%5.22%0.34%0.51%-0.27%-0.87%-15.61%-1,595 bps
Return on Equityn/an/an/an/an/a-2.06%-7.73%n/an/a
Net Interest Marginn/an/an/a6.32%5.66%7.99%6.75%6.17%-15 bps
Efficiency Ration/an/an/a53.49%54.51%54.50%73.54%87.97%+3,447 bps
Growth
Asset Growth (YoY)14.54%4.34%17.99%18.87%27.15%-0.74%-16.00%-32.66%-5,153 bps
Loan Growth (YoY)-0.34%17.23%23.25%34.32%41.14%13.66%-22.86%-42.31%-7,663 bps
Share Growth (YoY)11.69%1.01%14.61%18.45%28.11%11.16%-5.34%-5.76%-2,421 bps
Asset Quality
Delinquent Loans / Loans3.14%9.29%4.52%8.21%13.23%17.40%20.29%34.93%+2,672 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.74%1.68%1.40%3.69%4.63%7.73%6.41%26.34%+2,266 bps
Capital
Risk-Based Capitaln/an/an/an/an/a12.91%11.24%-0.77%n/a
Net Worth / Assetsn/an/an/an/an/a12.91%11.24%-0.77%n/a
Liquidity & Funding
Loans / Shares86.08%101.39%97.63%108.10%94.83%103.67%79.56%66.17%-4,193 bps
Liquid Assets / Assets17.76%6.96%9.68%0.13%0.00%5.31%24.75%37.90%+3,777 bps