Lucedale, MS · Cert 20329
FDIC
Q4 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.17% | 0.17% | 0.18% | 0.28% | 0.26% | 0.29% | 0.39% | +21 bps | |
| Return on Equity | 0.98% | 1.90% | 1.90% | 2.02% | 3.25% | 3.01% | 3.37% | 4.64% | +261 bps | |
| Net Interest Margin | 3.10% | 3.22% | 3.31% | 3.33% | 3.49% | 3.53% | 3.33% | 3.34% | +1 bps | |
| Efficiency Ratio | 93.11% | 93.50% | 93.46% | 92.78% | 83.59% | 86.94% | 87.28% | 85.15% | -762 bps | |
| Non-Interest Burden | 2.88% | 3.00% | 3.09% | 3.08% | 2.88% | 3.04% | 2.89% | 2.83% | -25 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.61% | 6.59% | -1.25% | 4.20% | 13.12% | 16.97% | 27.08% | 21.24% | +1,704 bps | |
| Loan Growth (YoY) | 13.68% | 15.39% | 21.08% | 19.73% | 18.62% | 19.60% | 23.32% | 23.12% | +339 bps | |
| Deposit Growth (YoY) | 27.73% | 7.24% | -1.56% | 4.03% | 13.44% | 15.96% | 28.13% | 17.54% | +1,351 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 | 0.70% | 0.33% | 0.26% | 0.30% | -0.01% | 0.00% | 0.00% | 0.00% | -30 bps | |
| Allowance / Loans | 1.04% | 1.02% | 1.00% | 0.88% | 0.96% | 0.94% | 0.92% | 0.89% | +1 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 | 13.11% | 12.35% | 12.57% | 11.82% | 12.45% | 11.69% | 11.90% | 11.55% | -27 bps | |
| Equity / Assets | 9.00% | 9.04% | 9.17% | 8.47% | 8.73% | 8.42% | 8.42% | 8.28% | -19 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.41% | 82.29% | 84.45% | 81.95% | 81.99% | 84.88% | 81.29% | 85.84% | +389 bps | |
| Liquid Assets / Assets | 2.08% | 3.26% | 2.44% | 3.75% | 7.72% | 5.29% | 9.34% | 9.44% | +569 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |