Sumrall, MS · Charter 22900
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.39% | -1.47% | 0.49% | -1.27% | 0.91% | 0.50% | -5.00% | -5.20% | -393 bps | |
| Return on Equity | -81.14% | -15.44% | 4.70% | -12.87% | 10.40% | 5.86% | -120.52% | -159.94% | -14,707 bps | |
| Net Interest Margin | 6.80% | 6.32% | 5.98% | 6.44% | 5.50% | 4.79% | 4.29% | 4.32% | -212 bps | |
| Efficiency Ratio | 83.11% | 68.46% | 65.50% | 71.13% | 87.48% | 91.60% | 98.82% | 118.47% | +4,734 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.35% | 19.94% | 5.28% | 6.17% | 14.06% | 10.70% | 13.52% | 16.50% | +1,032 bps | |
| Loan Growth (YoY) | 2.45% | -5.02% | 1.93% | -5.49% | -11.87% | -21.66% | -35.06% | -37.64% | -3,216 bps | |
| Share Growth (YoY) | 10.53% | 22.41% | 5.36% | 8.58% | 14.66% | 12.15% | 21.83% | 25.68% | +1,709 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 14.45% | 13.24% | 13.13% | 14.80% | 16.58% | 13.99% | 2.70% | 3.55% | -1,125 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 | 2.14% | 2.01% | 2.03% | 2.54% | 2.86% | 3.08% | 4.54% | 6.30% | +376 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.10% | 9.53% | 10.49% | 9.85% | 8.73% | 8.47% | 4.15% | 3.25% | -660 bps | |
| Net Worth / Assets | 9.10% | 9.53% | 10.49% | 9.85% | 8.73% | 8.47% | 4.15% | 3.25% | -660 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 51.94% | 52.12% | 51.44% | 53.18% | 39.92% | 36.41% | 27.42% | 26.39% | -2,679 bps | |
| Liquid Assets / Assets | 52.48% | 50.92% | 52.21% | 50.06% | 62.13% | 64.16% | 71.65% | 73.86% | +2,380 bps | |