Southaven, MS · Cert 34688
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.62% | 0.40% | 0.41% | 0.20% | 0.22% | 0.26% | -1.19% | -160 bps | |
| Return on Equity | 12.62% | 8.24% | 5.08% | 5.07% | 2.45% | 2.60% | 3.16% | -14.87% | -1,994 bps | |
| Net Interest Margin | 4.25% | 3.78% | 3.44% | 3.29% | 2.98% | 2.99% | 3.04% | 2.85% | -44 bps | |
| Efficiency Ratio | 65.55% | 75.19% | 81.92% | 76.91% | 70.98% | 89.32% | 87.76% | 100.00% | +2,309 bps | |
| Non-Interest Burden | 2.65% | 2.79% | 2.76% | 2.45% | 2.05% | 2.65% | 2.63% | 2.85% | +40 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -28.72% | -25.76% | -28.33% | -27.30% | -3.79% | -2.97% | 4.35% | 5.51% | +3,281 bps | |
| Loan Growth (YoY) | -23.19% | -21.50% | -26.23% | -24.88% | -3.37% | -3.64% | 1.47% | 1.72% | +2,660 bps | |
| Deposit Growth (YoY) | -29.91% | -28.86% | -31.72% | -30.95% | -4.26% | -3.20% | -3.75% | -7.72% | +2,323 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 | 0.01% | 0.32% | 1.30% | 0.04% | -0.34% | 0.23% | 0.18% | 0.96% | +93 bps | |
| Allowance / Loans | 1.08% | 0.99% | 0.72% | 0.77% | 1.06% | 1.00% | 0.93% | 1.28% | +51 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 | 10.01% | 10.02% | 10.00% | 10.06% | 10.42% | 10.52% | 10.60% | 10.77% | +71 bps | |
| Equity / Assets | 7.30% | 7.69% | 8.03% | 8.20% | 8.39% | 8.37% | 8.18% | 7.87% | -33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.47% | 95.49% | 95.86% | 96.20% | 95.34% | 95.06% | 101.06% | 106.04% | +984 bps | |
| Liquid Assets / Assets | 0.26% | 0.37% | 0.72% | 0.23% | 0.27% | 0.11% | 3.03% | 5.73% | +551 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |