Natchez, MS · Charter 9279
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Natchez, MS · Charter 9279
Q1 2005
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -10.05% | -7.64% | -8.95% | -26.01% | -16.27% | -13.35% | -10.95% | -112.32% | -8,632 bps | |
| Return on Equity | -82.81% | -62.08% | -72.41% | -352% | -285% | -286% | -238% | n/a | n/a | |
| Net Interest Margin | 5.79% | 6.01% | 6.56% | 7.80% | 5.42% | 5.56% | 5.58% | 9.14% | +135 bps | |
| Efficiency Ratio | 91.04% | 86.64% | 91.20% | 82.83% | 147.76% | 155.00% | 147.70% | 140.20% | +5,737 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.33% | -15.13% | -26.47% | -31.91% | -28.05% | -28.63% | -19.47% | -41.89% | -998 bps | |
| Loan Growth (YoY) | -23.37% | -31.27% | -35.78% | -36.69% | -34.12% | -27.37% | -20.53% | -26.46% | +1,023 bps | |
| Share Growth (YoY) | -1.02% | -7.94% | -22.83% | -24.29% | -24.64% | -24.38% | -12.03% | -24.19% | +9 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 65.64% | 69.84% | 66.17% | 54.78% | 31.27% | 30.90% | 53.86% | 42.50% | -1,228 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 | 8.02% | 9.54% | 1.69% | 17.44% | 19.89% | 22.28% | 17.37% | 51.92% | +3,448 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.13% | 12.31% | 12.35% | 7.39% | 5.71% | 4.66% | 4.61% | -21.14% | -2,854 bps | |
| Net Worth / Assets | 12.13% | 12.31% | 12.35% | 7.39% | 5.71% | 4.66% | 4.61% | -21.14% | -2,854 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.29% | 61.74% | 62.32% | 61.53% | 57.07% | 59.30% | 56.29% | 59.69% | -184 bps | |
| Liquid Assets / Assets | 45.28% | 47.11% | 44.02% | 43.49% | 48.66% | 47.55% | 53.26% | 62.10% | +1,862 bps | |