Carthage, MS · Cert 14273
FDIC
Q1 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2011, the quarter ended March 31, 2011, 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.
Carthage, MS · Cert 14273
FDIC
Q1 2011
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00%1 | -0.99% | -0.74% | -2.51% | -1.28% | -3.48% | -5.14% | -8.75% | -624 bps | |
| Return on Equity | 0.05% | -14.78% | -11.44% | -45.15% | -22.86% | -66.94% | -115.51% | -4051% | -400,561 bps | |
| Net Interest Margin | 2.83% | 2.70% | 2.82% | 2.97% | 3.00% | 3.18% | 3.14% | 2.89% | -8 bps | |
| Efficiency Ratio | 93.13% | 90.88% | 88.94% | 84.92% | 87.21% | 94.93% | 134.19% | 168.73% | +8,381 bps | |
| Non-Interest Burden | 2.59% | 2.38% | 2.44% | 2.45% | 2.54% | 2.99% | 4.41% | 4.45% | +201 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.10% | 4.69% | 4.07% | 3.74% | -7.09% | -13.96% | -12.65% | -10.58% | -1,432 bps | |
| Loan Growth (YoY) | 1.43% | -1.00% | -6.40% | -8.00% | -8.98% | -12.90% | -16.61% | -19.33% | -1,133 bps | |
| Deposit Growth (YoY) | 4.15% | 11.74% | 14.33% | 15.20% | 2.81% | -4.97% | -4.55% | -2.58% | -1,778 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.57% | 0.67% | 0.57% | 2.21% | 1.53% | 2.52% | 3.12% | 3.30% | +109 bps | |
| Allowance / Loans | 1.06% | 1.99% | 2.09% | 2.59% | 2.57% | 4.26% | 4.58% | 6.69% | +410 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.25% | 8.57% | 8.74% | 7.69% | 7.81% | 5.67% | 2.94% | -1.01% | -870 bps | |
| Equity / Assets | 6.65% | 5.80% | 5.84% | 5.25% | 5.68% | 3.89% | 1.19% | -0.74% | -599 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 104.09% | 99.18% | 93.42% | 89.33% | 92.15% | 90.90% | 81.62% | 73.97% | -1,536 bps | |
| Liquid Assets / Assets | 0.64% | 1.96% | 3.77% | 10.40% | 6.99% | 6.95% | 13.55% | 19.41% | +902 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |