Jackson, MS · Charter 61722
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 30, 2009, 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.
Jackson, MS · Charter 61722
Q3 2009
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.61% | 1.71% | 2.03% | 1.44% | 0.46% | -1.60% | -1.70% | -0.94% | -238 bps | |
| Return on Equity | -16.05% | 16.57% | 17.74% | 12.46% | 4.42% | -17.67% | -17.07% | -8.48% | -2,094 bps | |
| Net Interest Margin | 6.16% | 6.24% | 6.76% | 6.92% | 6.73% | 6.49% | 6.88% | 7.16% | +23 bps | |
| Efficiency Ratio | 102.28% | 85.21% | 87.68% | 88.66% | 91.88% | 95.11% | 95.80% | 90.49% | +183 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.65% | 1.09% | -6.21% | -6.27% | 0.25% | 1.16% | 0.06% | -1.32% | +495 bps | |
| Loan Growth (YoY) | -1.03% | -5.82% | -2.82% | -2.45% | -1.74% | -1.19% | -3.10% | -4.35% | -190 bps | |
| Share Growth (YoY) | 2.36% | 1.93% | -6.67% | -6.27% | -0.01% | 3.04% | 1.99% | -0.07% | +619 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.19% | 2.01% | 3.63% | 5.86% | 5.62% | 3.98% | 7.25% | 5.23% | -63 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 | 1.13% | 1.08% | 0.92% | 0.92% | 1.54% | 1.51% | 1.51% | 1.55% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.06% | 10.35% | 11.44% | 11.57% | 10.50% | 9.03% | 9.96% | 11.03% | -54 bps | |
| Net Worth / Assets | 10.06% | 10.35% | 11.44% | 11.57% | 10.50% | 9.03% | 9.96% | 11.03% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.86% | 85.10% | 90.98% | 92.47% | 88.31% | 81.61% | 86.44% | 88.51% | -396 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |