Madison, MS · Cert 57242
FDIC
Q4 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10%1 | -0.25% | -1.06% | -1.95% | 0.01% | -0.88% | -0.13% | -2.21% | -26 bps | |
| Return on Equity | 1.26% | -3.30% | -14.61% | -28.43% | 0.17% | -12.77% | -1.90% | -32.91% | -448 bps | |
| Net Interest Margin | 2.40% | 2.28% | 2.33% | 2.41% | 2.50% | 2.69% | 2.99% | 3.14% | +73 bps | |
| Efficiency Ratio | 97.50% | 104.96% | 107.95% | 129.03% | 93.68% | 129.17% | 104.12% | 154.12% | +2,509 bps | |
| Non-Interest Burden | 2.33% | 2.42% | 2.54% | 3.17% | 2.31% | 3.53% | 3.12% | 5.03% | +186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.85% | 9.74% | 7.75% | 0.17% | -5.26% | -3.20% | -8.54% | -3.46% | -362 bps | |
| Loan Growth (YoY) | 19.74% | 12.72% | 13.53% | 2.65% | -4.67% | -5.92% | -7.83% | -10.55% | -1,320 bps | |
| Deposit Growth (YoY) | 14.32% | 3.51% | 3.96% | 0.53% | -1.34% | 6.08% | -2.69% | 0.66% | +13 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 | 0.19% | 0.08% | 1.62% | -0.08% | 0.71% | 0.15% | 0.60% | 0.01% | +9 bps | |
| Allowance / Loans | 0.82% | 0.84% | 0.68% | 1.08% | 1.00% | 1.00% | 0.86% | 1.00% | -8 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 | 10.24% | 10.14% | 9.75% | 10.05% | 10.38% | 10.16% | 10.02% | 9.63% | -42 bps | |
| Equity / Assets | 7.52% | 7.51% | 6.95% | 6.75% | 7.05% | 6.80% | 7.05% | 6.40% | -36 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.72% | 98.71% | 94.69% | 94.60% | 90.55% | 87.55% | 89.70% | 84.07% | -1,053 bps | |
| Liquid Assets / Assets | 1.51% | 2.54% | 1.28% | 1.09% | 1.72% | 0.97% | 1.08% | 0.12% | -97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |