Louisville, MS · Cert 16536
FDIC
Q1 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.89% | 0.37% | 0.44% | 0.33% | 0.26% | 0.09%1 | 0.28% | -16 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 2.73% | 2.12% | 0.74% | 2.38% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 2.86% | 2.45% | 2.39% | 2.42% | 2.58% | -28 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 81.15% | 82.67% | 83.28% | 101.99% | 84.06% | +291 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.10% | 1.85% | 1.82% | 2.48% | 2.04% | -6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.02% | -6.55% | -6.92% | 1.13% | 2.50% | 5.08% | 5.73% | 3.46% | +233 bps | |
| Loan Growth (YoY) | -5.02% | -11.36% | -17.49% | -17.59% | -23.25% | -14.78% | -19.86% | -17.39% | +20 bps | |
| Deposit Growth (YoY) | -0.64% | -6.29% | -8.23% | 0.80% | 1.18% | 4.43% | 6.14% | 4.67% | +388 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 | n/a | n/a | n/a | 4.86% | 0.11% | 0.89% | 3.95% | 0.27% | -459 bps | |
| Allowance / Loans | n/a | n/a | n/a | 3.56% | 4.27% | 4.02% | 3.82% | 4.05% | +49 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 | n/a | n/a | n/a | 29.30% | 31.26% | 31.33% | 32.83% | 32.12% | +282 bps | |
| Equity / Assets | n/a | n/a | n/a | 12.27% | 12.16% | 12.62% | 12.16% | 11.68% | -59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 41.50% | 41.27% | 39.54% | 36.29% | 31.48% | 33.68% | 29.85% | 28.64% | -765 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 2.61% | 3.18% | 3.58% | 3.36% | 3.13% | +53 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |