PackageTrendsPeer
Letter portraitLegal landscape

Bank of Jones County

Laurel, MS · Cert 34897

FDIC · 2 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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: FFIEC Call Report (031/041/051), 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

Bank of Jones County

Laurel, MS · Cert 34897

FDIC · 2 branches

Q4 2014

$218.2MAssets
$61.4MLoans
$188.0MDeposits
$27.8MEquity
Loan mix
67%RE $38.6M22%C&I $12.4M11%Consumer $6.4MQ4 2013Q4 2014
Deposit mix
84%Interest-bearing $157.1M16%Noninterest $30.9MQ4 2013Q4 2014

NIM

2.93%Q4 ’122.72%Q4 ’132.95%Q4 ’14-4%+15%

Non-interest income vs. expense

1.17%Q4 ’121.25%Q4 ’131.66%Q4 ’14+9%+46%

Executive Summary

  • Earnings: ROA of 0.84%, down 22 bps year over year; NIM at 2.53%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.60%.
  • Funding: loans stand at 32.68% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

0.84%-22 bps YoY

Net Interest Margin (YTD, annualized)

2.53%+34 bps YoY

Efficiency Ratio (YTD, annualized)

59.35%+914 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets1.06%1.22%1.20%1.15%0.84%-22 bps
Return on Equity9.46%11.11%10.63%9.90%7.12%-234 bps
Net Interest Margin2.20%2.52%2.55%2.50%2.53%+34 bps
Efficiency Ratio50.21%50.66%45.66%45.72%59.35%+914 bps
Non-Interest Burden0.96%1.15%1.02%1.00%1.40%+44 bps
Growth
Asset Growth (YoY)-2.49%4.17%-0.35%-1.48%-1.48%+101 bps
Loan Growth (YoY)9.77%8.96%0.96%1.65%-6.61%-1,637 bps
Deposit Growth (YoY)-1.38%5.81%-3.02%-3.60%-3.79%-241 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.02%0.04%0.64%0.60%+59 bps
Allowance / Loans1.44%1.47%1.59%1.28%1.16%-28 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital29.11%28.59%29.88%30.54%29.98%+88 bps
Equity / Assets11.13%10.85%11.99%12.39%12.76%+163 bps
Liquidity & Funding
Loans / Deposits33.66%31.29%32.02%31.32%32.68%-99 bps
Liquid Assets / Assets0.17%0.16%0.17%0.17%0.18%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a