Jackson, MS · Charter 22914
Q4 2001
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.52% | 5.57% | 5.22% | 0.34% | 0.51% | -0.27% | -0.87% | -15.61% | -1,595 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | -2.06% | -7.73% | n/a | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.32% | 5.66% | 7.99% | 6.75% | 6.17% | -15 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 53.49% | 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 / Loans | 3.14% | 9.29% | 4.52% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.74% | 1.68% | 1.40% | 3.69% | 4.63% | 7.73% | 6.41% | 26.34% | +2,266 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.91% | 11.24% | -0.77% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.91% | 11.24% | -0.77% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.08% | 101.39% | 97.63% | 108.10% | 94.83% | 103.67% | 79.56% | 66.17% | -4,193 bps | |
| Liquid Assets / Assets | 17.76% | 6.96% | 9.68% | 0.13% | 0.00% | 5.31% | 24.75% | 37.90% | +3,777 bps | |