Pascagoula, MS · Charter 7
Q1 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2006, the quarter ended March 31, 2006, 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 7
Q1 2006
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.83% | 0.85% | 0.87% | 0.89% | 0.69% | 0.60% | -13.10% | -1,397 bps | |
| Return on Equity | 3.15% | 4.62% | 4.77% | 5.40% | 5.19% | 4.33% | 4.71% | -144.84% | -15,024 bps | |
| Net Interest Margin | 3.62% | 3.62% | 3.53% | 3.07% | 3.24% | 3.01% | 2.49% | -4.38% | -745 bps | |
| Efficiency Ratio | 86.80% | 80.19% | 80.11% | 79.75% | 81.42% | 82.59% | 81.08% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.34% | -0.46% | 8.36% | 11.02% | 8.78% | 19.05% | 46.44% | 35.64% | +2,463 bps | |
| Loan Growth (YoY) | 6.52% | 6.63% | 7.04% | 1.10% | 4.25% | 18.43% | 39.59% | 49.56% | +4,846 bps | |
| Share Growth (YoY) | 0.45% | -2.06% | 8.85% | 12.41% | 9.50% | 22.97% | 55.77% | 47.76% | +3,535 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.01% | 0.04% | 0.01% | 0.06% | 0.18% | 0.12% | 0.32% | +31 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 | 0.22% | 0.23% | 0.21% | 0.19% | 0.11% | 0.10% | 0.08% | 0.08% | -11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.56% | 18.02% | 17.89% | 16.14% | 17.13% | 15.86% | 12.82% | 9.04% | -709 bps | |
| Net Worth / Assets | 17.56% | 18.02% | 17.89% | 16.14% | 17.13% | 15.86% | 12.82% | 9.04% | -709 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.74% | 83.02% | 82.23% | 69.75% | 77.82% | 79.95% | 73.69% | 70.60% | +85 bps | |
| Liquid Assets / Assets | 25.60% | 25.37% | 25.68% | 35.17% | 28.63% | 25.82% | 31.24% | 30.24% | -493 bps | |