Grenada, MS · Charter 22596
Q1 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.95% | 0.94% | -4.81% | -1.37% | 0.37% | 0.32% | -0.46% | -3.04% | -167 bps | |
| Return on Equity | 13.72% | 6.90% | -29.06% | -10.48% | 2.95% | 2.34% | -2.73% | -20.82% | -1,034 bps | |
| Net Interest Margin | 1.96% | 1.48% | 1.56% | 0.18% | 0.26% | 0.33% | 0.39% | 0.57% | +39 bps | |
| Efficiency Ratio | 77.89% | 86.37% | 313% | 157.55% | 91.68% | 95.58% | 107.15% | 208% | +5,012 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.63% | 6.56% | 8.66% | 5.84% | 17.30% | -2.27% | -4.52% | -13.84% | -1,968 bps | |
| Loan Growth (YoY) | 17.55% | -34.97% | -71.82% | -79.71% | -76.26% | -69.40% | -45.58% | -49.52% | +3,018 bps | |
| Share Growth (YoY) | -5.59% | 6.79% | 11.24% | 7.32% | 21.49% | -2.05% | -5.04% | -16.18% | -2,351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 2.03% | 2.70% | 0.00% | 0.00% | 0.00% | 0.00% | 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 | 1.26% | 1.94% | 3.55% | 2.66% | 3.83% | 4.57% | 4.48% | 5.83% | +317 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.19% | 13.67% | 16.55% | 13.07% | 12.39% | 13.54% | 16.76% | 14.58% | +151 bps | |
| Net Worth / Assets | 14.19% | 13.67% | 16.55% | 13.07% | 12.39% | 13.54% | 16.76% | 14.58% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 18.49% | 10.21% | 10.62% | 4.53% | 3.61% | 3.19% | 6.09% | 2.73% | -180 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |