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Jefferson-Pilot

Greensboro, NC · Charter 830

NCUA · 2 branches

Q3 2019

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jefferson-Pilot

Greensboro, NC · Charter 830

NCUA · 2 branches

Q3 2019

$13.0MAssets
$4.6MLoans
$10.6MShares
$2.4MNet Worth

Executive Summary

  • Earnings: ROA of 0.43%, up 44 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 1.23% of loans (+50 bps YoY).
  • Capital: net worth / assets of 18.40%, up 233 bps from a year ago.
  • Funding: loans stand at 43.90% of shares as of Q3 2019.

Return on Assets (YTD, annualized)

0.43%+44 bps YoY

Net Interest Margin (YTD, annualized)

2.33%+39 bps YoY

Efficiency Ratio (YTD, annualized)

82.02%-1,821 bps YoY

Net Worth / Assets

18.40%+233 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-0.15%-0.52%-0.09%0.00%0.08%0.02%0.38%0.43%+44 bps
Return on Equity-0.92%-3.32%-0.58%-0.03%0.50%0.14%2.15%2.35%+238 bps
Net Interest Margin1.82%1.74%1.86%1.94%2.07%2.00%2.22%2.33%+39 bps
Efficiency Ratio107.31%129.49%104.48%100.23%93.54%98.77%83.50%82.02%-1,821 bps
Growth
Asset Growth (YoY)-9.19%-6.82%-5.47%-3.48%-4.88%-8.71%-7.97%-10.29%-681 bps
Loan Growth (YoY)13.41%8.06%9.93%12.23%9.94%7.26%1.97%-2.27%-1,449 bps
Share Growth (YoY)-10.60%-7.82%-6.38%-4.08%-5.95%-10.59%-9.83%-12.79%-871 bps
Asset Quality
Delinquent Loans / Loans0.50%0.69%0.55%0.72%0.62%0.60%0.64%1.23%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.22%0.23%0.20%0.28%0.17%0.17%0.25%0.23%-4 bps
Capital
Risk-Based Capital15.94%15.62%15.93%16.07%16.85%17.34%17.64%18.40%+233 bps
Net Worth / Assets15.94%15.62%15.93%16.07%16.85%17.34%17.64%18.40%+233 bps
Liquidity & Funding
Loans / Shares35.87%35.53%37.33%39.17%41.92%42.63%42.21%43.90%+473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps