PackageTrendsPeer
Letter portraitLegal landscape

Security Bank of Amory

Amory, MS · Cert 11438

FDIC · 8 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Security Bank of Amory

Amory, MS · Cert 11438

FDIC · 8 branches

Q4 2017

$578.6MAssets
$366.6MLoans
$475.9MDeposits
$51.3MEquity
Loan mix
88%RE $295.5M9%C&I $28.7M4%Consumer $13.3MQ4 2016Q4 2017
Deposit mix
95%Interest-bearing $450.5M5%Noninterest $25.4MQ4 2016Q4 2017

NIM

3.26%Q4 ’153.36%Q4 ’163.55%Q4 ’17+2%+10%

Non-interest income vs. expense

2.67%Q4 ’152.69%Q4 ’162.63%Q4 ’17-4%-4%

Market Position · Memphis, TN-MS-AR · 2017 SOD (annual) · 0.5% share · #30 of 56 inst. · $0.2B of $30.0B

24.2% Monroe
6.0% DeSoto
21.4% Sunflower
3.5% Lee

Executive Summary

  • Earnings: ROA of 0.53%, up 9 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.33% of loans (+33 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.23%, down 12 bps from a year ago.
  • Funding: loans stand at 77.03% of deposits as of Q4 2017.

Financial Results

Return on Assets (YTD, annualized)

0.53%+9 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+29 bps YoY

Efficiency Ratio (YTD, annualized)

70.49%-855 bps YoY

Tier 1 Leverage Ratio

9.23%-12 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.44%0.63%0.66%0.69%0.53%+9 bps
Return on Equity4.58%6.50%6.81%7.13%5.57%+98 bps
Net Interest Margin2.95%3.12%3.14%3.23%3.24%+29 bps
Efficiency Ratio79.04%71.68%70.76%69.94%70.49%-855 bps
Non-Interest Burden2.22%2.06%2.04%2.07%2.12%-10 bps
Growth
Asset Growth (YoY)1.73%0.48%-2.00%1.02%8.72%+699 bps
Loan Growth (YoY)10.27%11.49%10.66%9.11%6.90%-337 bps
Deposit Growth (YoY)2.71%1.94%-0.89%0.46%-0.11%-282 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.41%0.29%0.27%0.33%+33 bps
Net Charge-Offs / Loans0.01%0.02%0.01%0.00%0.00%-1 bps
Allowance / Loans1.04%1.05%1.05%1.08%1.06%+2 bps
Allowance Coverage of NPLsn/a2.5x3.6x4.0x3.2xn/a
Capital
Tier 1 Leverage Ratio9.35%9.44%9.33%9.43%9.23%-12 bps
Total Risk-Based Capital16.46%16.53%16.44%16.43%15.86%-61 bps
Equity / Assets9.67%9.59%9.86%9.74%8.86%-80 bps
Liquidity & Funding
Loans / Deposits71.98%71.24%74.45%75.69%77.03%+505 bps
Liquid Assets / Assets3.57%5.90%2.56%3.51%10.52%+695 bps
CRE / Total Capitaln/an/an/an/an/an/an/a