PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jackson County Co-op

Seymour, IN · Charter 65287

Q2 1998

$8.1MAssets
$6.4MLoans
$7.0MShares
n/aNet Worth

Executive Summary

  • Earnings: ROA of 5.88%, up 14 bps year over year.
  • Asset quality: problem loans at 1.21% of loans (+17 bps YoY).
  • Funding: loans stand at 90.95% of shares as of Q2 1998.

Return on Assets (YTD, annualized)

5.88%+14 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Net Worth / Assets

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ4 1994Q2 1995Q4 1995Q2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets4.95%5.80%5.29%5.73%4.99%5.87%5.24%5.88%+14 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/a9.10%18.34%22.18%25.62%10.83%+173 bps
Loan Growth (YoY)n/an/an/a14.35%18.23%27.55%27.32%20.20%+585 bps
Share Growth (YoY)n/an/an/a6.25%10.18%22.24%26.40%9.59%+334 bps
Asset Quality
Delinquent Loans / Loans0.20%0.54%0.48%1.04%0.95%1.92%1.05%1.21%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.79%0.66%0.83%1.11%1.15%0.97%0.98%0.94%-17 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares90.48%87.17%91.12%82.92%97.09%90.96%91.78%90.95%+803 bps
Liquid Assets / Assets12.48%18.00%13.86%20.80%10.56%12.94%14.66%13.32%-747 bps