Pascagoula, MS · Charter 63403
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.
Pascagoula, MS · Charter 63403
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 | -0.99% | -5.75% | -3.35% | -2.38% | -3.57% | -6.61% | -3.71% | -5.16% | -278 bps | |
| Return on Equity | -9.85% | -70.06% | -40.76% | -28.22% | -47.39% | -113.16% | -53.23% | -91.30% | -6,309 bps | |
| Net Interest Margin | 6.08% | 5.63% | 5.83% | 5.20% | 5.42% | 4.32% | 5.49% | 5.78% | +58 bps | |
| Efficiency Ratio | 84.90% | 102.94% | 105.14% | 108.33% | 111.15% | 128.25% | 117.31% | 142.10% | +3,377 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.85% | 1.72% | 4.40% | 0.26% | -9.70% | -13.64% | -24.81% | -27.89% | -2,815 bps | |
| Loan Growth (YoY) | -10.25% | -12.02% | -16.86% | -21.50% | -24.49% | -26.33% | -24.37% | -24.04% | -254 bps | |
| Share Growth (YoY) | -7.80% | 3.96% | 7.21% | 2.02% | -7.30% | -11.38% | -23.74% | -25.34% | -2,736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.12% | 4.62% | 4.44% | 5.38% | 2.37% | 1.92% | 3.21% | 2.42% | -296 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 | 1.21% | 1.70% | 1.83% | 1.80% | 2.19% | 2.52% | 2.65% | 2.77% | +97 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.03% | 8.20% | 8.22% | 8.45% | 7.53% | 5.84% | 6.98% | 5.66% | -279 bps | |
| Net Worth / Assets | 10.03% | 8.20% | 8.22% | 8.45% | 7.53% | 5.84% | 6.98% | 5.66% | -279 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.96% | 75.19% | 71.01% | 68.64% | 69.20% | 62.50% | 70.43% | 69.84% | +120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |