Rosedale, MS · Cert 15814
FDIC
Q1 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.15% | 3.43% | -1.33% | 3.44% | -0.38% | 3.89% | 0.65% | -79.48% | -8,292 bps | |
| Return on Equity | 21.15% | 26.07% | -9.85% | 23.73% | -2.81% | 31.34% | 5.08% | -1512% | -153,621 bps | |
| Net Interest Margin | 8.46% | 8.01% | 6.23% | 8.12% | 7.91% | 8.11% | 8.79% | 6.92% | -120 bps | |
| Efficiency Ratio | 39.81% | 36.90% | 117.36% | 43.08% | 39.73% | 33.59% | 75.61% | 53.83% | +1,075 bps | |
| Non-Interest Burden | 3.28% | 2.76% | 7.30% | 2.99% | 3.07% | 2.25% | 6.57% | 3.37% | +38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.73% | 20.29% | 17.41% | 28.08% | 14.40% | 13.65% | 18.29% | -9.13% | -3,721 bps | |
| Loan Growth (YoY) | 1.60% | 23.04% | 25.36% | 24.86% | 16.32% | 14.81% | 22.48% | -17.33% | -4,219 bps | |
| Deposit Growth (YoY) | -1.90% | 23.49% | 19.65% | 30.93% | 14.94% | 14.67% | 19.59% | 12.76% | -1,816 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 | 0.20% | 0.42% | 0.32% | 0.38% | 5.85% | 0.15% | 0.58% | 96.15% | +9,578 bps | |
| Allowance / Loans | 1.00% | 0.84% | 1.11% | 1.05% | 0.79% | 0.73% | 0.86% | 9.50% | +845 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 | 16.25% | 15.38% | 18.02% | 18.08% | 14.77% | 14.21% | 16.57% | -7.14% | -2,522 bps | |
| Equity / Assets | 13.61% | 12.73% | 14.33% | 14.65% | 12.72% | 12.14% | 13.63% | -5.26% | -1,990 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 103.36% | 100.12% | 95.01% | 94.54% | 104.60% | 100.24% | 97.31% | 69.31% | -2,523 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |