Rosedale, MS · Cert 15814
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.73% | 2.37% | 1.40% | 3.44% | 1.44% | 2.34% | 1.92% | -79.48% | -8,292 bps | |
| Return on Equity | 11.41% | 16.46% | 9.71% | 23.73% | 10.37% | 17.50% | 14.31% | -1512% | -153,621 bps | |
| Net Interest Margin | 7.83% | 6.95% | 6.88% | 8.12% | 7.81% | 7.24% | 7.77% | 6.92% | -120 bps | |
| Efficiency Ratio | 47.06% | 43.19% | 59.25% | 43.08% | 41.45% | 38.47% | 48.72% | 53.83% | +1,075 bps | |
| Non-Interest Burden | 3.46% | 2.81% | 3.98% | 2.99% | 2.95% | 2.47% | 3.54% | 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 | 1.78% | 1.21% | 1.22% | 0.38% | 3.07% | 1.91% | 1.84% | 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 |