Winona, MS · Charter 18436
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Winona, MS · Charter 18436
Q4 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -4.33% | -3.62% | -3.15% | -3.35% | -5.46% | -0.61% | -2.43% | -57.85% | -5,451 bps | |
| Return on Equity | -13.04% | -10.78% | -9.22% | -9.49% | -15.78% | -1.62% | -4.51% | -57.85% | -4,836 bps | |
| Net Interest Margin | 0.72% | 1.11% | 0.71% | 1.01% | -0.47% | 0.49% | 0.13% | 17.47% | +1,646 bps | |
| Efficiency Ratio | 387% | 233% | 296% | 215% | n/a | 404% | 1181% | 444% | +22,874 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -5.36% | -5.48% | -9.26% | -10.55% | -12.38% | -38.62% | -96.58% | -8,732 bps | |
| Loan Growth (YoY) | -37.69% | -62.04% | -69.22% | -49.95% | -51.88% | -91.09% | -100.00% | -100.00% | -5,005 bps | |
| Share Growth (YoY) | -0.67% | -5.01% | -5.77% | -10.29% | -11.75% | -16.82% | -57.06% | -100.00% | -8,971 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.82% | 2.19% | 18.11% | 6.08% | 5.01% | 42.84% | n/a | n/a | n/a | |
| 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 | 24.39% | 11.76% | 12.10% | 12.64% | 44.71% | 13.65% | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 33.21% | 33.54% | 34.19% | 35.24% | 34.57% | 37.48% | 53.98% | 100.00% | +6,476 bps | |
| Net Worth / Assets | 33.21% | 33.54% | 34.19% | 35.24% | 34.57% | 37.48% | 53.98% | 100.00% | +6,476 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 9.87% | 12.21% | 11.22% | 17.30% | 5.38% | 1.31% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |