Philadelphia, MS · Charter 9929
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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.
Philadelphia, MS · Charter 9929
Q3 2011
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.99% | -2.07% | -2.48% | -6.88% | -3.45% | -4.10% | -3.62% | -2.99% | +389 bps | |
| Return on Equity | -10.88% | -12.21% | -13.98% | -44.12% | -24.74% | -28.55% | -27.45% | -24.11% | +2,001 bps | |
| Net Interest Margin | 2.40% | 2.25% | 2.25% | 1.52% | 2.43% | 3.24% | 3.13% | 3.07% | +155 bps | |
| Efficiency Ratio | 171.11% | 178.17% | 192.88% | n/a | 197.99% | 213% | 203% | 187.14% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.65% | -1.83% | 1.03% | -3.89% | -4.80% | -21.95% | -12.64% | -12.71% | -882 bps | |
| Loan Growth (YoY) | -31.64% | -35.79% | -31.79% | -15.86% | 11.64% | 29.00% | 37.62% | 31.32% | +4,718 bps | |
| Share Growth (YoY) | -3.76% | 0.62% | 4.36% | -0.61% | -0.15% | -19.89% | -8.18% | -9.57% | -896 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.53% | 8.17% | 0.93% | 0.71% | 8.34% | 6.59% | 0.42% | 0.15% | -57 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 | 1.96% | 0.62% | 0.63% | 0.56% | 0.79% | 1.95% | 1.87% | 1.50% | +94 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.27% | 16.98% | 17.76% | 15.59% | 13.94% | 14.36% | 13.20% | 12.40% | -319 bps | |
| Net Worth / Assets | 18.27% | 16.98% | 17.76% | 15.59% | 13.94% | 14.36% | 13.20% | 12.40% | -319 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.27% | 26.98% | 29.12% | 29.26% | 34.96% | 43.45% | 43.65% | 42.49% | +1,323 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |