Jackson, MS · Charter 4604
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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 4604
Q4 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.91% | -2.25% | -1.96% | -1.89% | -1.69% | -1.65% | -1.37% | -1.78% | +11 bps | |
| Return on Equity | -13.14% | -15.56% | -13.92% | -13.78% | -13.01% | -13.28% | -11.21% | -15.08% | -130 bps | |
| Net Interest Margin | 3.52% | 3.52% | 3.46% | 3.47% | 3.24% | 3.23% | 3.23% | 3.27% | -20 bps | |
| Efficiency Ratio | 137.29% | 146.44% | 141.91% | 141.06% | 142.07% | 141.74% | 139.13% | 147.25% | +619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.96% | -0.82% | 0.10% | -0.17% | -0.53% | 3.43% | 3.02% | 1.07% | +124 bps | |
| Loan Growth (YoY) | -5.07% | -2.53% | -4.43% | 1.99% | -9.34% | -7.71% | 0.47% | -3.64% | -563 bps | |
| Share Growth (YoY) | 2.62% | 1.26% | 2.01% | 1.97% | 1.34% | 5.81% | 5.02% | 3.25% | +128 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.34% | 0.49% | 0.55% | 0.56% | 0.34% | 0.07% | 1.27% | +72 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 | 0.50% | 0.56% | 0.56% | 0.49% | 0.47% | 0.47% | 0.18% | 0.17% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.52% | 14.48% | 14.07% | 13.74% | 12.97% | 12.44% | 12.23% | 11.81% | -193 bps | |
| Net Worth / Assets | 14.52% | 14.48% | 14.07% | 13.74% | 12.97% | 12.44% | 12.23% | 11.81% | -193 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.85% | 58.25% | 54.74% | 54.36% | 50.86% | 50.80% | 52.36% | 50.73% | -363 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |