Winona, MS · Cert 31867
FDIC
Q3 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.69% | -0.18% | -0.30% | -0.10% | -0.15% | -1.01% | -1.40% | -2.11% | -201 bps | |
| Return on Equity | -9.14% | -1.73% | -2.95% | -1.01% | -1.49% | -10.77% | -16.20% | -24.01% | -2,300 bps | |
| Net Interest Margin | 3.36% | 4.33% | 3.65% | 3.76% | 3.55% | 3.23% | 3.12% | 2.91% | -85 bps | |
| Efficiency Ratio | 111.29% | 96.73% | 99.63% | 96.61% | 99.43% | 121.26% | 130.73% | 128.64% | +3,203 bps | |
| Non-Interest Burden | 3.74% | 4.19% | 3.64% | 3.63% | 3.53% | 3.95% | 4.15% | 3.96% | +32 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 | 0.43% | 0.12% | -0.07% | -0.38% | -0.01% | 0.43% | 0.25% | 0.18% | +56 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 |