Port Gibson, MS · Cert 8551
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.78% | 2.40% | 2.55% | 2.42% | 0.36% | 2.19% | 2.30% | 2.10% | -32 bps | |
| Return on Equity | n/a | n/a | 24.60% | 22.56% | 3.56% | 22.93% | 24.31% | 22.38% | -18 bps | |
| Net Interest Margin | n/a | 4.76% | 4.74% | 4.44% | 4.77% | 4.71% | 4.50% | 4.60% | +15 bps | |
| Efficiency Ratio | n/a | 55.03% | 52.79% | 52.99% | 59.69% | 59.76% | 61.07% | 62.68% | +968 bps | |
| Non-Interest Burden | n/a | 2.25% | 2.06% | 1.91% | 2.37% | 2.51% | 2.43% | 2.58% | +67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 5.24% | -1.43% | 4.48% | 5.49% | 2.80% | 10.97% | 13.66% | +918 bps | |
| Loan Growth (YoY) | 3.94% | 12.92% | 9.44% | 10.83% | 5.82% | -9.11% | -5.48% | -3.21% | -1,404 bps | |
| Deposit Growth (YoY) | 0.01% | 4.25% | -3.14% | 3.41% | 5.24% | 3.35% | 12.01% | 15.31% | +1,190 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | -0.48% | 0.13% | 0.04% | 0.25% | 0.10% | -0.14% | 0.56% | +52 bps | |
| Allowance / Loans | n/a | 3.00% | 3.08% | 3.11% | 4.36% | 4.67% | 4.42% | 4.01% | +90 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | n/a | 16.60% | 17.69% | 17.48% | 16.36% | 17.63% | 16.81% | 16.41% | -108 bps | |
| Equity / Assets | n/a | 10.03% | 10.73% | 10.72% | 9.59% | 9.55% | 9.36% | 9.43% | -129 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.41% | 49.44% | 49.22% | 49.38% | 47.67% | 43.48% | 41.54% | 41.45% | -793 bps | |
| Liquid Assets / Assets | 0.00% | 4.83% | 4.63% | 2.65% | 2.31% | 2.08% | 1.70% | 1.17% | -148 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |