PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Jefferson National Bank

Charlottesville, VA · Cert 6871

FDIC

Q4 1997

$2.1BAssets
$1.4BLoans
$1.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.24%, down 107 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 75.47% of deposits as of Q4 1997.

Return on Assets (YTD, annualized)

0.24%-107 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ1 1996Q2 1996Q3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997YoY ΔTrend
Earnings
Return on Assets1.26%1.30%1.32%1.31%1.28%1.38%1.40%0.24%-107 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
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)3.77%2.96%3.56%5.41%4.84%4.26%2.97%-1.03%-644 bps
Loan Growth (YoY)8.85%9.62%12.51%11.87%13.39%12.47%6.85%1.90%-997 bps
Deposit Growth (YoY)4.35%1.23%2.45%5.45%5.55%4.63%1.96%-3.57%-902 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits68.43%70.76%72.42%71.42%73.51%76.06%75.90%75.47%+405 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a