Tupelo, MS · Charter 23655
Q2 1999
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 3.43% | 6.04% | 6.07% | 5.57% | 6.18% | 5.00% | 3.95% | 4.40% | -117 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 6.07% | 10.39% | 9.15% | 7.18% | 11.92% | 8.94% | 5.03% | -412 bps | |
| Loan Growth (YoY) | n/a | 70.24% | 36.84% | 44.02% | -19.18% | -34.92% | -40.38% | -35.60% | -7,962 bps | |
| Share Growth (YoY) | n/a | 1.37% | 6.40% | 3.06% | -3.20% | 5.59% | 1.22% | -3.55% | -661 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.40% | 1.50% | 9.41% | 10.17% | 12.43% | 10.12% | 8.64% | -77 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 | 3.45% | 3.48% | 3.44% | 4.83% | 4.36% | 6.69% | 7.17% | 7.17% | +234 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 108.26% | 96.37% | 113.50% | 90.87% | 90.38% | 59.40% | 66.85% | 60.67% | -3,019 bps | |
| Liquid Assets / Assets | 30.04% | 29.01% | 30.64% | 29.01% | 31.20% | 51.53% | 55.90% | 54.67% | +2,566 bps | |