Shelby, MS · Cert 15806
FDIC · 2 branches
Q3 2014
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.46% | -0.33% | -0.12% | 0.62%1 | 0.45%1 | 0.05% | 0.11% | 0.13%1 | -49 bps | |
| Return on Equity | -4.19% | -3.21% | -1.27% | 6.66% | 4.98% | 0.60% | 1.28% | 1.47% | -519 bps | |
| Net Interest Margin | 2.26% | 2.14% | 2.34% | 2.68% | 2.83% | 2.89% | 2.84% | 2.88% | +19 bps | |
| Efficiency Ratio | 116.50% | 112.82% | 104.33% | 98.76% | 99.82% | 98.52% | 96.72% | 102.24% | +348 bps | |
| Non-Interest Burden | 2.73% | 2.48% | 2.46% | 2.64% | 2.82% | 2.84% | 2.73% | 2.95% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.82% | -0.29% | -0.38% | -6.78% | -9.29% | -6.26% | -6.57% | -5.31% | +147 bps | |
| Loan Growth (YoY) | -30.67% | 0.28% | 17.45% | 17.90% | 24.16% | 0.10% | -4.94% | -11.53% | -2,943 bps | |
| Deposit Growth (YoY) | 7.42% | 0.52% | 3.31% | -3.10% | -5.82% | -3.91% | -7.64% | -7.41% | -431 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.06% | 0.04% | 0.03% | 0.00% | 0.00% | 0.00% | -4 bps | |
| Allowance / Loans | 2.75% | 2.24% | 1.95% | 1.95% | 2.18% | 2.20% | 2.05% | 2.20% | +25 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 40.36% | 35.94% | 32.19% | 33.63% | 36.20% | 34.61% | 36.03% | 37.46% | +384 bps | |
| Equity / Assets | 10.85% | 9.95% | 8.18% | 8.08% | 7.98% | 8.02% | 9.22% | 10.08% | +199 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 15.00% | 17.31% | 19.58% | 20.97% | 19.77% | 18.03% | 20.15% | 20.04% | -93 bps | |
| Liquid Assets / Assets | 1.86% | 1.66% | 1.50% | 1.15% | 1.09% | 1.00% | 0.94% | 0.99% | -16 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |