PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Bank of Bolivar County, The

Shelby, MS · Cert 15806

FDIC · 2 branches

Q3 2014

$15.9MAssets
$2.9MLoans
$14.3MDeposits
$1.6MEquity
Loan mix
25%RE $0.5M56%C&I $1.0M19%Consumer $0.3MQ3 2013Q3 2014
Deposit mix
33%Interest-bearing $4.8M67%Noninterest $9.5MQ3 2013Q3 2014

NIM

2.60%Q3 ’122.90%Q3 ’133.07%Q3 ’14+16%+7%

Non-interest income vs. expense

3.26%Q3 ’123.11%Q3 ’133.41%Q3 ’14-4%+12%

Executive Summary

  • Earnings: ROA of 0.13%, down 49 bps year over year; NIM at 2.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 20.04% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.13%1-49 bps YoY

Net Interest Margin (YTD, annualized)

2.88%+19 bps YoY

Efficiency Ratio (YTD, annualized)

102.24%+348 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets0.62%10.45%10.05%0.11%0.13%1-49 bps
Return on Equity6.66%4.98%0.60%1.28%1.47%-519 bps
Net Interest Margin2.68%2.83%2.89%2.84%2.88%+19 bps
Efficiency Ratio98.76%99.82%98.52%96.72%102.24%+348 bps
Non-Interest Burden2.64%2.82%2.84%2.73%2.95%+31 bps
Growth
Asset Growth (YoY)-6.78%-9.29%-6.26%-6.57%-5.31%+147 bps
Loan Growth (YoY)17.90%24.16%0.10%-4.94%-11.53%-2,943 bps
Deposit Growth (YoY)-3.10%-5.82%-3.91%-7.64%-7.41%-431 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.03%0.00%0.00%0.00%-4 bps
Allowance / Loans1.95%2.18%2.20%2.05%2.20%+25 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital33.63%36.20%34.61%36.03%37.46%+384 bps
Equity / Assets8.08%7.98%8.02%9.22%10.08%+199 bps
Liquidity & Funding
Loans / Deposits20.97%19.77%18.03%20.15%20.04%-93 bps
Liquid Assets / Assets1.15%1.09%1.00%0.94%0.99%-16 bps
CRE / Total Capitaln/an/an/an/an/an/an/a