Tupelo, MS · Charter 20564
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.
Tupelo, MS · Charter 20564
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 | -1.09% | -1.03% | -0.63% | -0.32% | -0.06% | -0.19% | 0.46% | 0.64% | +96 bps | |
| Return on Equity | -6.97% | -6.94% | -4.18% | -1.96% | -0.39% | -1.17% | 2.61% | 3.49% | +545 bps | |
| Net Interest Margin | 2.38% | 2.33% | 2.55% | 3.04% | 3.06% | 3.68% | 4.22% | 4.32% | +127 bps | |
| Efficiency Ratio | 144.39% | 143.83% | 124.89% | 110.17% | 101.94% | 105.03% | 89.58% | 85.95% | -2,423 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.02% | 0.68% | -1.38% | -4.21% | -1.02% | -8.69% | -12.05% | -9.17% | -495 bps | |
| Loan Growth (YoY) | 15.09% | 49.59% | 7.44% | -1.05% | -10.08% | -24.39% | -4.10% | 4.89% | +594 bps | |
| Share Growth (YoY) | 1.42% | 1.95% | -0.81% | -4.62% | -1.08% | -10.38% | -14.50% | -11.63% | -701 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.17% | 0.00% | 0 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 | 0.39% | 0.36% | 0.37% | 0.39% | 0.44% | 0.47% | 0.38% | 0.37% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.64% | 14.88% | 15.16% | 16.11% | 15.74% | 16.46% | 17.76% | 18.41% | +230 bps | |
| Net Worth / Assets | 15.64% | 14.88% | 15.16% | 16.11% | 15.74% | 16.46% | 17.76% | 18.41% | +230 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 30.09% | 31.95% | 31.89% | 32.12% | 27.35% | 26.95% | 35.77% | 38.12% | +600 bps | |
| Liquid Assets / Assets | 72.86% | 71.09% | 71.45% | 71.29% | 75.50% | 75.85% | 0.00% | 0.00% | -7,129 bps | |