Jackson, MS · Charter 8931
Q4 2001
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 4.73% | 5.04% | 4.21% | 1.51% | 3.37% | 2.26% | 0.08% | -1.86% | -337 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 4.54% | 0.14% | -3.65% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 6.65% | 7.39% | 7.20% | 4.33% | 4.11% | -254 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 77.77% | 57.96% | 70.97% | 98.55% | 140.42% | +6,265 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.63% | -10.60% | -10.37% | 16.83% | -1.72% | -2.66% | -7.42% | -30.54% | -4,737 bps | |
| Loan Growth (YoY) | 7.25% | -2.12% | -11.40% | -8.99% | -15.29% | -31.57% | -50.33% | -79.99% | -7,099 bps | |
| Share Growth (YoY) | -15.29% | -25.03% | -24.28% | 22.46% | -10.84% | -11.83% | -18.82% | -40.21% | -6,267 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.09% | 13.75% | 16.25% | 12.72% | 12.64% | 17.16% | 24.86% | 5.21% | -751 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 | 3.47% | 3.88% | 2.08% | 2.23% | 2.35% | 2.98% | 4.50% | 3.62% | +139 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 49.78% | 52.24% | 51.01% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 49.78% | 52.24% | 51.01% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 126.18% | 136.05% | 125.65% | 110.93% | 119.89% | 105.60% | 76.88% | 37.13% | -7,379 bps | |
| Liquid Assets / Assets | 16.88% | 18.04% | 18.20% | 17.29% | 18.75% | 48.66% | 64.57% | 81.49% | +6,420 bps | |