Hattiesburg, MS · Charter 63034
Q1 2002
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.61% | 3.44% | 0.80% | 0.70% | 0.70% | 0.02% | 0.17% | 0.31% | -39 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 11.39% | 0.28% | 2.66% | 5.01% | n/a | |
| Net Interest Margin | n/a | n/a | 5.09% | 5.09% | 4.92% | 4.54% | 4.74% | 1.65% | -344 bps | |
| Efficiency Ratio | n/a | n/a | 85.36% | 87.12% | 86.96% | 87.83% | 87.86% | 80.74% | -637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.51% | 10.82% | 10.98% | 11.44% | 12.70% | 9.02% | 4.81% | 5.82% | -562 bps | |
| Loan Growth (YoY) | 2.53% | 8.57% | 16.10% | 18.77% | 11.74% | 6.36% | -10.98% | -20.85% | -3,962 bps | |
| Share Growth (YoY) | 4.83% | 10.66% | 6.42% | 8.16% | 11.59% | 8.12% | 7.43% | 9.47% | +131 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.30% | 0.39% | 0.29% | 1.07% | 1.22% | 1.27% | 0.55% | +27 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 | 0.67% | 0.68% | 0.62% | 0.62% | 0.55% | 0.86% | 0.65% | 0.70% | +8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 6.17% | 5.92% | 6.47% | 6.28% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 6.17% | 5.92% | 6.47% | 6.28% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.60% | 83.71% | 95.50% | 94.89% | 90.73% | 82.35% | 79.13% | 68.61% | -2,629 bps | |
| Liquid Assets / Assets | 6.94% | 11.85% | 1.02% | 0.00% | 8.70% | 16.89% | 117.39% | 121.66% | +12,166 bps | |