Columbus, MS · Charter 60670
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Columbus, MS · Charter 60670
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.76% | 0.52% | 0.93% | 0.60% | 0.11% | 0.17% | 0.45% | -48 bps | |
| Return on Equity | 7.05% | 7.60% | 5.24% | 12.02% | 7.75% | 1.50% | 2.19% | 5.93% | -610 bps | |
| Net Interest Margin | 4.04% | 3.92% | 3.93% | 4.26% | 3.81% | 3.76% | 3.54% | 3.06% | -120 bps | |
| Efficiency Ratio | 83.05% | 81.03% | 81.00% | 79.90% | 84.98% | 83.90% | 89.23% | 82.35% | +245 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.72% | 2.05% | -0.06% | -1.83% | -1.90% | -1.96% | -2.05% | 2.39% | +422 bps | |
| Loan Growth (YoY) | -0.33% | -3.30% | -4.40% | -7.31% | -17.15% | -15.38% | -17.84% | -9.55% | -225 bps | |
| Share Growth (YoY) | -4.40% | 1.66% | -0.44% | 0.60% | 0.48% | 0.89% | 0.48% | 2.27% | +167 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.11% | 8.69% | 4.77% | 0.00% | 0.00% | 7.02% | 7.59% | 4.85% | +485 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.69% | 3.90% | 1.42% | 1.65% | 1.73% | 2.59% | 2.51% | 2.62% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.79% | 10.00% | 10.00% | 7.73% | 7.76% | 7.54% | 7.63% | 7.60% | -13 bps | |
| Net Worth / Assets | 9.79% | 10.00% | 10.00% | 7.73% | 7.76% | 7.54% | 7.63% | 7.60% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.33% | 64.73% | 63.61% | 59.28% | 56.34% | 54.29% | 52.01% | 52.42% | -685 bps | |
| Liquid Assets / Assets | 38.72% | 42.13% | 42.06% | 44.26% | 46.72% | 48.80% | 36.25% | 50.19% | +593 bps | |