Wesson, MS · Charter 61948
Q4 1997
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 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.37% | 3.92% | 4.58% | 3.95% | 5.87% | -8.02% | 2.87% | 3.59% | -36 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | -18.54% | -31.04% | -21.85% | -33.44% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 22.65% | 15.60% | -23.74% | -44.96% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | -24.76% | -29.29% | -14.25% | -29.77% | n/a | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.16% | 3.22% | 3.47% | 5.73% | 5.35% | 22.52% | 16.53% | 9.44% | +370 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 | 1.46% | 0.98% | 1.64% | 2.61% | 1.82% | 15.76% | 16.30% | 5.03% | +242 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.06% | 77.85% | 116.39% | 111.48% | 127.25% | 127.28% | 103.51% | 87.36% | -2,412 bps | |
| Liquid Assets / Assets | 20.74% | 21.89% | 10.42% | 6.01% | 1.32% | 1.41% | 8.98% | 10.04% | +402 bps | |