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First National Bank

Rosedale, MS · Cert 15814

FDIC

Q1 2010

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: Q1 2010, the quarter ended March 31, 2010, 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: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

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

First National Bank

Rosedale, MS · Cert 15814

FDIC

Q1 2010

$60.4MAssets
$44.0MLoans
$63.5MDeposits
$-3178KEquity
Deposit mix
90%Interest-bearing $57.4M10%Noninterest $6.1MQ1 2009Q1 2010

NIM

11.11%Q1 ’0810.63%Q1 ’098.44%Q1 ’10+5%-15%

Non-interest income vs. expense

4.67%Q1 ’083.88%Q1 ’094.14%Q1 ’10-23%+13%

Executive Summary

  • Earnings: ROA of -79.48%, down 8,292 bps year over year; NIM at 6.92%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 96.15%.
  • Funding: loans stand at 69.31% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

-79.48%-8,292 bps YoY

Net Interest Margin (YTD, annualized)

6.92%-120 bps YoY

Efficiency Ratio (YTD, annualized)

53.83%+1,075 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets3.44%1.44%2.34%1.92%-79.48%-8,292 bps
Return on Equity23.73%10.37%17.50%14.31%-1512%-153,621 bps
Net Interest Margin8.12%7.81%7.24%7.77%6.92%-120 bps
Efficiency Ratio43.08%41.45%38.47%48.72%53.83%+1,075 bps
Non-Interest Burden2.99%2.95%2.47%3.54%3.37%+38 bps
Growth
Asset Growth (YoY)28.08%14.40%13.65%18.29%-9.13%-3,721 bps
Loan Growth (YoY)24.86%16.32%14.81%22.48%-17.33%-4,219 bps
Deposit Growth (YoY)30.93%14.94%14.67%19.59%12.76%-1,816 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.38%3.07%1.91%1.84%96.15%+9,578 bps
Allowance / Loans1.05%0.79%0.73%0.86%9.50%+845 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital18.08%14.77%14.21%16.57%-7.14%-2,522 bps
Equity / Assets14.65%12.72%12.14%13.63%-5.26%-1,990 bps
Liquidity & Funding
Loans / Deposits94.54%104.60%100.24%97.31%69.31%-2,523 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a