Ruleville, MS · Cert 328
FDIC
Q3 2009
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.78% | 0.52% | 0.54% | 0.54% | 0.53% | 0.31% | 0.45% | 0.58% | +4 bps | |
| Return on Equity | 5.23% | 4.06% | 4.28% | 4.33% | 4.31% | 2.54% | 3.64% | 4.70% | +37 bps | |
| Net Interest Margin | 3.19% | 3.11% | 3.22% | 3.26% | 3.30% | 3.30% | 3.47% | 3.57% | +31 bps | |
| Efficiency Ratio | 71.86% | 79.34% | 78.39% | 79.21% | 79.41% | 88.04% | 85.39% | 80.48% | +128 bps | |
| Non-Interest Burden | 1.90% | 2.30% | 2.34% | 2.38% | 2.43% | 2.81% | 2.83% | 2.70% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.56% | 13.66% | 12.77% | 19.10% | 1.97% | -5.46% | 2.97% | -0.37% | -1,946 bps | |
| Loan Growth (YoY) | 16.26% | 12.24% | 16.15% | 31.77% | 27.49% | 27.90% | 22.86% | 8.07% | -2,370 bps | |
| Deposit Growth (YoY) | 15.50% | 14.75% | 10.20% | -10.05% | -14.56% | -5.06% | 0.09% | 16.01% | +2,606 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 | 0.47% | 0.08% | 0.07% | 0.10% | 0.26% | 0.58% | 0.55% | 0.44% | +33 bps | |
| Allowance / Loans | 1.12% | 1.18% | 1.09% | 0.97% | 0.91% | 0.82% | 0.64% | 0.65% | -32 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 | 19.15% | 15.90% | 15.00% | 13.64% | 13.99% | 13.93% | 12.99% | 12.98% | -66 bps | |
| Equity / Assets | 13.86% | 11.89% | 12.21% | 11.56% | 11.98% | 12.71% | 12.18% | 12.10% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.86% | 57.56% | 74.73% | 97.79% | 86.33% | 77.55% | 91.74% | 91.09% | -670 bps | |
| Liquid Assets / Assets | 10.91% | 14.24% | 3.71% | 3.53% | 3.83% | 0.14% | 0.39% | 0.43% | -311 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |