Columbus, MS · Charter 13660
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, MS · Charter 13660
Q3 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 1.20% | 0.55% | 0.75% | 0.45% | 0.70% | 0.50% | 0.27% | -49 bps | |
| Return on Equity | 1.82% | 6.87% | 3.21% | 4.26% | 2.61% | 4.20% | 2.95% | 1.58% | -267 bps | |
| Net Interest Margin | 5.30% | 5.39% | 5.09% | 5.22% | 5.03% | 4.75% | 4.75% | 4.65% | -56 bps | |
| Efficiency Ratio | 85.99% | 78.19% | 89.89% | 83.09% | 86.99% | 85.62% | 98.89% | 100.41% | +1,732 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.21% | 8.09% | 5.41% | 3.94% | 6.76% | 6.56% | 3.64% | 6.34% | +239 bps | |
| Loan Growth (YoY) | 3.12% | 10.14% | 14.54% | 17.51% | 10.18% | 3.42% | 3.92% | -4.58% | -2,209 bps | |
| Share Growth (YoY) | 9.65% | 9.09% | 5.98% | 4.43% | 7.77% | 7.34% | 3.60% | 6.90% | +247 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 1.04% | 1.60% | 1.24% | 1.38% | 2.40% | 3.35% | 2.58% | +135 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 | 0.47% | 0.48% | 0.49% | 0.47% | 0.51% | 0.55% | 0.25% | 0.27% | -20 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.76% | 17.45% | 17.18% | 17.69% | 17.08% | 16.70% | 16.99% | 16.74% | -96 bps | |
| Net Worth / Assets | 17.76% | 17.45% | 17.18% | 17.69% | 17.08% | 16.70% | 16.99% | 16.74% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 102.95% | 101.09% | 101.86% | 109.47% | 105.25% | 97.39% | 102.17% | 97.71% | -1,176 bps | |
| Liquid Assets / Assets | 13.81% | 15.27% | 14.16% | 8.11% | 11.77% | 17.70% | 13.60% | 16.72% | +861 bps | |