Wiggins, MS · Cert 21290
FDIC
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.
Wiggins, MS · Cert 21290
FDIC
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.60% | -0.51% | 0.22% | -1.48% | -1.63% | -103 bps | |
| Return on Equity | -7.85% | -6.84% | 3.25% | -22.04% | -24.73% | -1,688 bps | |
| Net Interest Margin | 2.96% | 2.96% | 3.60% | 3.75% | 3.77% | +80 bps | |
| Efficiency Ratio | 107.95% | 106.99% | 94.67% | 96.31% | 112.78% | +483 bps | |
| Non-Interest Burden | 3.27% | 3.21% | 3.38% | 3.59% | 4.32% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.39% | 7.49% | 9.49% | 1.38% | -2.55% | +84 bps | |
| Loan Growth (YoY) | -4.30% | -20.61% | -25.99% | -26.13% | -28.93% | -2,463 bps | |
| Deposit Growth (YoY) | -2.15% | 9.04% | 10.69% | 2.85% | -1.63% | +53 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.21% | 3.76% | -0.18% | 0.03% | 0.03% | -18 bps | |
| Allowance / Loans | 4.03% | 1.48% | 1.61% | 3.73% | 3.84% | -19 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 12.47% | 13.36% | 14.06% | 14.06% | 12.50% | +3 bps | |
| Equity / Assets | 7.15% | 6.72% | 7.00% | 6.42% | 6.24% | -91 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.42% | 43.95% | 43.25% | 43.89% | 41.48% | -1,594 bps | |
| Liquid Assets / Assets | 1.01% | 0.96% | 0.48% | 0.51% | 0.50% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |