Vicksburg, MS · Charter 20285
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Vicksburg, MS · Charter 20285
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | 1.22% | 1.19% | 0.98% | 1.11% | 1.41% | -1.66% | -0.85% | -183 bps | |
| Return on Equity | -2.04% | 9.54% | 8.81% | 7.46% | 7.97% | 10.21% | -13.35% | -6.63% | -1,409 bps | |
| Net Interest Margin | 5.15% | 4.86% | 4.88% | 5.00% | 5.12% | 4.14% | 4.10% | 4.39% | -61 bps | |
| Efficiency Ratio | 87.63% | 89.46% | 92.96% | 88.25% | 82.07% | 107.71% | 103.31% | 98.28% | +1,003 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 21.80% | -0.60% | 6.66% | 6.41% | 2.67% | 0.74% | 3.71% | -0.30% | -671 bps | |
| Loan Growth (YoY) | 11.02% | 15.42% | 23.64% | 22.79% | 19.05% | 13.28% | 11.72% | 4.30% | -1,850 bps | |
| Share Growth (YoY) | 26.69% | -0.43% | 6.35% | 5.52% | 1.52% | -0.72% | 4.60% | -0.35% | -587 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.29% | 2.98% | 3.47% | 3.08% | 2.09% | 3.62% | 2.96% | 4.00% | +92 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 | 1.35% | 1.22% | 0.94% | 0.68% | 0.80% | 0.50% | 0.88% | 0.69% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.20% | 12.77% | 13.46% | 13.11% | 13.97% | 13.80% | 12.43% | 12.85% | -26 bps | |
| Net Worth / Assets | 13.20% | 12.77% | 13.46% | 13.11% | 13.97% | 13.80% | 12.43% | 12.85% | -26 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.17% | 84.60% | 95.47% | 99.41% | 105.74% | 96.53% | 101.97% | 104.04% | +463 bps | |
| Liquid Assets / Assets | 7.66% | 25.36% | 16.65% | 12.98% | 8.75% | 16.03% | 0.00% | 0.00% | -1,298 bps | |