Canton, MS · Charter 64060
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Canton, MS · Charter 64060
Q1 2003
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 2000 | Q2 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.10% | -0.41% | 0.07% | -0.25% | -1.36% | -1.35% | -1.31% | 13.86% | +1,411 bps | |
| Return on Equity | 6.01% | -2.22% | 0.41% | -1.36% | -7.73% | -7.17% | -6.51% | 53.85% | +5,521 bps | |
| Net Interest Margin | 7.05% | 5.65% | 5.46% | 9.43% | 5.66% | 6.07% | 6.20% | 29.70% | +2,027 bps | |
| Efficiency Ratio | 88.95% | 104.69% | 99.16% | 89.77% | 107.87% | 109.47% | 109.49% | 66.67% | -2,310 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.49% | -2.67% | 10.80% | -3.67% | 0.74% | -5.60% | -16.73% | -32.98% | -2,931 bps | |
| Loan Growth (YoY) | -18.71% | 27.67% | 5.10% | -11.51% | -8.84% | -21.52% | -28.49% | -7.30% | +421 bps | |
| Share Growth (YoY) | 10.92% | -5.57% | 11.76% | -4.08% | 2.11% | -4.68% | -18.73% | -38.45% | -3,437 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.14% | 4.19% | 1.10% | 0.71% | 0.87% | 0.57% | 0.54% | 0.67% | -5 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 | 1.41% | 1.35% | 1.04% | 1.04% | 1.09% | 1.31% | 1.11% | 0.00% | -104 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.32% | 18.45% | 17.80% | 18.32% | 17.58% | 18.83% | 20.07% | 25.74% | +742 bps | |
| Net Worth / Assets | 18.32% | 18.45% | 17.80% | 18.32% | 17.58% | 18.83% | 20.07% | 25.74% | +742 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.03% | 40.51% | 49.39% | 39.83% | 36.63% | 33.36% | 43.45% | 60.00% | +2,017 bps | |
| Liquid Assets / Assets | 57.09% | 58.59% | 57.23% | 58.79% | 58.81% | 71.08% | 41.40% | 38.61% | -2,018 bps | |