Columbus, MS · Charter 23560
Q2 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.70% | 1.60% | -0.72% | 0.86% | 0.83% | 0.33% | 0.93% | -0.91% | -177 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 4.06% | 1.72% | 4.48% | -4.71% | n/a | |
| Net Interest Margin | n/a | n/a | 4.23% | 5.15% | 6.17% | 5.08% | 5.09% | 2.35% | -280 bps | |
| Efficiency Ratio | n/a | n/a | 94.16% | 84.29% | 84.38% | 94.09% | 92.06% | 134.82% | +5,054 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.58% | -22.47% | -15.44% | -7.27% | -24.11% | -16.96% | -19.11% | -8.47% | -120 bps | |
| Loan Growth (YoY) | -40.73% | -1.28% | 5.56% | 55.04% | 76.22% | 13.30% | -3.02% | -24.67% | -7,971 bps | |
| Share Growth (YoY) | -3.88% | -25.06% | -16.92% | -7.68% | -28.37% | -20.99% | -24.31% | -10.26% | -258 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.60% | 0.72% | 0.23% | 0.11% | 0.29% | 0.17% | 0.11% | 0.35% | +24 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 | 1.65% | 1.65% | 1.38% | 1.93% | 1.99% | 2.30% | 1.94% | 2.21% | +28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 20.44% | 18.96% | 20.69% | 19.30% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 20.44% | 18.96% | 20.69% | 19.30% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.98% | 49.18% | 58.05% | 73.00% | 86.06% | 70.53% | 74.37% | 61.28% | -1,172 bps | |
| Liquid Assets / Assets | 64.71% | 55.00% | 47.20% | 24.97% | 18.20% | 43.27% | 40.94% | 50.02% | +2,505 bps | |