Winona, MS · Cert 31867
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.46% | -0.18% | -0.43% | 0.28% | -0.27% | -1.01% | -1.83% | -3.35% | -363 bps | |
| Return on Equity | -16.38% | -1.73% | -4.16% | 2.87% | -2.91% | -10.77% | -21.67% | -40.54% | -4,341 bps | |
| Net Interest Margin | 3.43% | 4.33% | 3.64% | 4.00% | 3.50% | 3.23% | 3.01% | 2.76% | -124 bps | |
| Efficiency Ratio | 143.14% | 96.73% | 102.48% | 91.04% | 107.75% | 121.26% | 140.65% | 125.69% | +3,465 bps | |
| Non-Interest Burden | 4.77% | 4.19% | 3.74% | 3.63% | 3.79% | 3.95% | 4.33% | 3.92% | +29 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.49% | -4.86% | -1.89% | 8.87% | 10.55% | 7.29% | 23.97% | 12.06% | +319 bps | |
| Loan Growth (YoY) | 17.12% | 17.37% | 29.83% | 42.77% | 33.93% | 23.85% | 17.76% | 6.33% | -3,644 bps | |
| Deposit Growth (YoY) | 11.80% | -10.61% | -5.62% | 1.32% | 18.64% | 6.36% | 29.63% | 20.52% | +1,920 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 1.31% | 0.12% | -0.24% | -1.00% | 1.04% | 0.43% | 0.10% | 0.04% | +104 bps | |
| Allowance / Loans | 2.06% | 2.11% | 1.99% | 2.16% | 1.76% | 1.85% | 1.82% | 2.72% | +56 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.44% | 17.23% | 14.66% | 12.76% | 11.05% | 16.44% | 10.56% | 12.09% | -66 bps | |
| Equity / Assets | 10.14% | 10.61% | 9.98% | 9.56% | 9.05% | 9.65% | 7.44% | 9.14% | -43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.14% | 77.27% | 85.79% | 89.50% | 85.95% | 89.97% | 77.93% | 78.96% | -1,054 bps | |
| Liquid Assets / Assets | 5.86% | 8.62% | 0.00% | 0.00% | 0.00% | 0.00% | 13.04% | 8.86% | +886 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |