Laurel, MS · Cert 34961
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.38% | 0.42% | 0.19% | 0.27% | 0.42% | 0.61% | 0.72% | +53 bps | |
| Return on Equity | 4.68% | 3.72% | 4.07% | 1.86% | 2.57% | 4.06% | 6.23% | 7.39% | +554 bps | |
| Net Interest Margin | 3.39% | 3.69% | 3.76% | 3.74% | 3.56% | 3.89% | 3.80% | 3.58% | -17 bps | |
| Efficiency Ratio | 76.55% | 81.88% | 85.59% | 92.16% | 86.12% | 79.83% | 73.45% | 72.56% | -1,960 bps | |
| Non-Interest Burden | 2.39% | 2.85% | 3.07% | 3.38% | 2.94% | 2.91% | 2.57% | 2.37% | -101 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.43% | 1.82% | 1.19% | 2.09% | -2.52% | 5.48% | 9.51% | 8.30% | +621 bps | |
| Loan Growth (YoY) | 13.20% | 10.52% | 4.16% | 2.79% | 2.93% | 1.35% | 6.42% | 10.09% | +729 bps | |
| Deposit Growth (YoY) | -0.17% | -2.74% | -1.67% | 1.04% | -1.18% | 4.78% | 8.79% | 4.62% | +358 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 | 0.34% | 0.11% | 0.32% | 0.31% | 1.28% | 0.40% | 0.46% | 0.16% | -15 bps | |
| Allowance / Loans | 1.28% | 1.27% | 1.25% | 1.38% | 1.10% | 1.08% | 1.06% | 1.08% | -30 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 | 13.92% | 13.82% | 14.16% | 14.51% | 14.37% | 13.57% | 13.35% | 13.61% | -90 bps | |
| Equity / Assets | 9.96% | 10.26% | 10.29% | 10.19% | 10.65% | 10.05% | 9.68% | 9.81% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.44% | 81.29% | 77.67% | 73.70% | 79.62% | 78.64% | 75.98% | 77.55% | +385 bps | |
| Liquid Assets / Assets | 0.46% | 0.73% | 0.66% | 0.63% | 0.63% | 0.45% | 0.60% | 0.67% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |