Louisville, MS · Charter 23563
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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.
Louisville, MS · Charter 23563
Q3 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -7.90% | -7.21% | -13.61% | -6.80% | -10.61% | -11.12% | -10.16% | -13.32% | -652 bps | |
| Return on Equity | -38.67% | -33.44% | -78.91% | -38.29% | -73.03% | -84.07% | -101.23% | -245% | -20,696 bps | |
| Net Interest Margin | 8.78% | 9.18% | 7.51% | 6.89% | 7.16% | 7.63% | 5.79% | 6.55% | -34 bps | |
| Efficiency Ratio | 83.82% | 89.57% | 108.24% | 99.26% | 97.30% | 100.34% | 126.15% | 147.82% | +4,856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -13.76% | -15.19% | -11.02% | -13.15% | -12.17% | -11.47% | -10.84% | -25.50% | -1,235 bps | |
| Loan Growth (YoY) | -16.74% | -19.91% | -24.94% | -29.09% | -29.57% | -33.73% | -35.39% | -45.42% | -1,633 bps | |
| Share Growth (YoY) | -1.42% | -0.19% | -5.28% | -7.72% | -5.98% | -2.49% | -3.00% | -14.30% | -657 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 11.65% | 16.48% | 18.58% | 28.14% | 28.19% | 28.51% | 26.12% | 8.59% | -1,955 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 | 3.73% | 3.80% | 4.47% | 4.94% | 7.56% | 8.99% | 10.88% | 8.43% | +349 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.43% | 21.56% | 17.25% | 17.75% | 14.53% | 13.23% | 10.04% | 5.43% | -1,232 bps | |
| Net Worth / Assets | 20.43% | 21.56% | 17.25% | 17.75% | 14.53% | 13.23% | 10.04% | 5.43% | -1,232 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.75% | 110.55% | 89.49% | 85.66% | 79.96% | 75.14% | 59.61% | 54.55% | -3,111 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |