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Ergon Companies

Jackson, MS · Charter 63001

Q2 1996

$781KAssets
$296KLoans
$693KShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.02%, up 42 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (-47 bps YoY).
  • Funding: loans stand at 42.69% of shares as of Q2 1996.

Return on Assets (quarter, annualized)

5.02%+42 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.60%4.07%5.48%5.44%5.02%+42 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a13.03%n/an/a
Loan Growth (YoY)n/an/an/an/a6.09%n/an/a
Share Growth (YoY)n/an/an/an/a11.30%n/an/a
Asset Quality
Delinquent Loans / Loans0.47%0.49%0.49%0.21%0.00%-47 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.98%2.37%2.60%1.34%0.89%-109 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares44.78%47.04%43.30%43.61%42.69%-209 bps
Liquid Assets / Assets59.01%57.72%60.83%60.85%61.63%+262 bps