Magnolia, MS · Charter 15825
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.75% | 1.67% | 0.84% | 1.23% | 1.32% | 0.39% | 0.49% | -36 bps | |
| Return on Equity | 2.11% | 2.48% | 5.44% | 2.81% | 4.08% | 4.27% | 1.28% | 1.52% | -130 bps | |
| Net Interest Margin | 4.30% | 4.42% | 4.75% | 3.92% | 4.06% | 4.18% | 4.63% | 4.93% | +101 bps | |
| Efficiency Ratio | 86.80% | 84.45% | 65.48% | 79.00% | 70.12% | 69.02% | 91.51% | 87.49% | +849 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.34% | 3.69% | 4.33% | 6.74% | 4.86% | 2.04% | 3.55% | -3.09% | -983 bps | |
| Loan Growth (YoY) | 14.84% | -3.43% | -23.13% | -7.53% | -18.56% | -13.00% | 7.64% | -18.97% | -1,144 bps | |
| Share Growth (YoY) | -2.98% | 2.74% | 4.46% | 8.74% | 5.42% | 0.42% | 2.37% | -5.99% | -1,473 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.95% | 1.85% | 2.15% | +215 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 | 2.62% | 2.67% | 3.75% | 3.37% | 3.80% | 3.36% | 3.84% | 4.48% | +111 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 30.49% | 30.24% | 30.63% | 29.97% | 30.27% | 30.96% | 30.66% | 32.16% | +219 bps | |
| Net Worth / Assets | 30.49% | 30.24% | 30.63% | 29.97% | 30.27% | 30.96% | 30.66% | 32.16% | +219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.37% | 66.61% | 48.64% | 53.81% | 49.73% | 57.71% | 51.14% | 46.38% | -743 bps | |
| Liquid Assets / Assets | 54.34% | 54.79% | 64.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |