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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

2.48%Q3 ’123.24%Q3 ’132.96%Q3 ’14+37%-9%

Non-interest income vs. expense

3.20%Q3 ’123.12%Q3 ’133.63%Q3 ’14+1%+21%

Executive Summary

  • Earnings: ROA of 0.17%, down 196 bps year over year; NIM at 2.76%.
  • 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 (quarter, annualized)

0.17%1-196 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-27 bps YoY

Efficiency Ratio (quarter, annualized)

114.06%+2,480 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets2.14%1-0.10%0.05%0.16%0.17%1-196 bps
Return on Equity26.24%-1.22%0.60%1.90%1.77%-2,447 bps
Net Interest Margin3.03%2.88%2.89%2.86%2.76%-27 bps
Efficiency Ratio89.26%102.86%98.52%94.96%114.06%+2,480 bps
Non-Interest Burden2.65%2.98%2.84%2.69%3.21%+55 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 / Loans0.00%0.00%0.00%0.00%0.00%0 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