Amory, MS · Cert 11438
FDIC · 8 branches
Q4 2017
Market Position · Memphis, TN-MS-AR · 2017 SOD (annual) · 0.5% share · #30 of 56 inst. · $0.2B of $30.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.38% | 0.42% | 0.44% | 0.63% | 0.66% | 0.69% | 0.53% | +9 bps | |
| Return on Equity | 3.75% | 3.89% | 4.30% | 4.58% | 6.50% | 6.81% | 7.13% | 5.57% | +98 bps | |
| Net Interest Margin | 2.78% | 2.78% | 2.84% | 2.95% | 3.12% | 3.14% | 3.23% | 3.24% | +29 bps | |
| Efficiency Ratio | 79.31% | 81.63% | 79.04% | 79.04% | 71.68% | 70.76% | 69.94% | 70.49% | -855 bps | |
| Non-Interest Burden | 2.08% | 2.17% | 2.13% | 2.22% | 2.06% | 2.04% | 2.07% | 2.12% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.34% | 10.16% | 5.70% | 1.73% | 0.48% | -2.00% | 1.02% | 8.72% | +699 bps | |
| Loan Growth (YoY) | 2.18% | 5.63% | 6.33% | 10.27% | 11.49% | 10.66% | 9.11% | 6.90% | -337 bps | |
| Deposit Growth (YoY) | 11.71% | 11.39% | 6.39% | 2.71% | 1.94% | -0.89% | 0.46% | -0.11% | -282 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.29% | 0.27% | 0.33% | +33 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.02% | 1.05% | 1.08% | 1.04% | 1.05% | 1.05% | 1.08% | 1.06% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 2.5x | 3.6x | 4.0x | 3.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.22% | 9.11% | 9.15% | 9.35% | 9.44% | 9.33% | 9.43% | 9.23% | -12 bps | |
| Total Risk-Based Capital | 17.26% | 17.11% | 16.84% | 16.46% | 16.53% | 16.44% | 16.43% | 15.86% | -61 bps | |
| Equity / Assets | 9.64% | 9.64% | 9.85% | 9.67% | 9.59% | 9.86% | 9.74% | 8.86% | -80 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.14% | 66.68% | 69.69% | 71.98% | 71.24% | 74.45% | 75.69% | 77.03% | +505 bps | |
| Liquid Assets / Assets | 12.88% | 8.16% | 5.63% | 3.57% | 5.90% | 2.56% | 3.51% | 10.52% | +695 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |