Senatobia, MS · Cert 35269
FDIC
Q1 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | 0.30% | -0.99% | -0.22% | -0.13% | -2.83% | 0.04% | 0.27% | +49 bps | |
| Return on Equity | -9.52% | 3.17% | -10.29% | -2.36% | -1.46% | -32.35% | 0.50% | 3.07% | +542 bps | |
| Net Interest Margin | 3.57% | 3.86% | 3.90% | 3.66% | 3.43% | 3.44% | 3.65% | 3.82% | +16 bps | |
| Efficiency Ratio | 98.89% | 91.71% | 117.25% | 101.66% | 100.20% | 108.62% | 99.01% | 94.18% | -748 bps | |
| Non-Interest Burden | 3.52% | 3.49% | 4.65% | 3.73% | 3.44% | 3.79% | 3.60% | 3.54% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.74% | -9.90% | -8.04% | -3.16% | -0.17% | 0.78% | -0.91% | -8.88% | -572 bps | |
| Loan Growth (YoY) | -14.30% | -9.34% | -7.94% | -1.69% | -2.95% | -3.98% | -2.53% | -1.93% | -24 bps | |
| Deposit Growth (YoY) | -6.36% | -10.55% | -8.33% | -2.95% | 0.08% | 2.06% | -0.21% | -9.15% | -619 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 | 3.07% | 0.62% | 0.57% | 0.25% | 0.80% | 1.27% | 0.55% | -0.11% | -36 bps | |
| Allowance / Loans | 2.10% | 1.97% | 1.92% | 1.89% | 1.80% | 2.37% | 2.21% | 2.21% | +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 | 15.37% | 15.58% | 15.28% | 15.02% | 15.33% | 14.27% | 14.13% | 14.07% | -95 bps | |
| Equity / Assets | 9.22% | 9.78% | 9.45% | 9.08% | 8.94% | 8.55% | 8.65% | 9.22% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.83% | 84.50% | 83.20% | 81.29% | 77.42% | 79.51% | 81.27% | 87.75% | +645 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% | 0.02% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |