Ellisville, MS · Cert 11444
FDIC · 10 branches
Q4 2017
Market Position · Hattiesburg, MS · 2017 SOD (annual) · 4.7% share · #7 of 17 inst. · $0.1B of $2.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.08% | 1.12% | 1.16% | 1.07% | 1.10% | 1.15% | 0.84% | -31 bps | |
| Return on Equity | 13.16% | 13.06% | 13.44% | 13.65% | 12.50% | 13.04% | 13.64% | 10.03% | -362 bps | |
| Net Interest Margin | 3.56% | 3.49% | 3.56% | 3.62% | 3.56% | 3.59% | 3.68% | 3.64% | +2 bps | |
| Efficiency Ratio | 58.08% | 58.28% | 57.64% | 55.94% | 58.09% | 58.30% | 57.52% | 58.06% | +212 bps | |
| Non-Interest Burden | 1.75% | 1.73% | 1.74% | 1.71% | 1.75% | 1.79% | 1.79% | 1.81% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.47% | 4.87% | 5.83% | -0.07% | -0.31% | 1.35% | -0.14% | 4.03% | +410 bps | |
| Loan Growth (YoY) | 4.84% | 4.82% | 5.76% | 4.70% | 0.21% | 0.86% | 0.60% | 1.06% | -364 bps | |
| Deposit Growth (YoY) | 4.14% | 5.78% | 6.94% | -0.50% | -0.36% | 1.35% | -0.20% | 4.57% | +507 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.56% | 0.76% | 0.83% | 0.68% | +68 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.14% | 0.11% | 0.20% | 0.13% | 0.10% | 0.10% | 0.44% | +24 bps | |
| Allowance / Loans | 1.01% | 1.01% | 0.99% | 0.98% | 1.00% | 0.99% | 0.98% | 0.90% | -9 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 1.8x | 1.3x | 1.2x | 1.3x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.34% | 8.19% | 8.32% | 8.57% | 8.63% | 8.53% | 8.45% | 8.45% | -13 bps | |
| Total Risk-Based Capital | 14.59% | 14.48% | 14.53% | 14.63% | 14.75% | 14.57% | 14.29% | 14.17% | -46 bps | |
| Equity / Assets | 8.17% | 8.33% | 8.32% | 8.64% | 8.48% | 8.46% | 8.45% | 8.36% | -28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.51% | 83.86% | 83.50% | 86.49% | 82.98% | 83.46% | 84.17% | 83.58% | -290 bps | |
| Liquid Assets / Assets | 4.91% | 3.61% | 5.02% | 2.05% | 6.22% | 6.08% | 5.67% | 6.24% | +419 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |