Hattiesburg, MS · Charter 18813
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hattiesburg, MS · Charter 18813
Q4 2014
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.78% | -0.71% | -0.37% | -0.19% | 0.13% | -0.20% | -0.02% | -0.09% | +10 bps | |
| Return on Equity | -5.85% | -5.33% | -2.84% | -1.36% | 1.02% | -1.54% | -0.19% | -0.67% | +70 bps | |
| Net Interest Margin | 3.03% | 2.96% | 2.90% | 3.10% | 3.54% | 3.30% | 3.03% | 3.39% | +28 bps | |
| Efficiency Ratio | 111.57% | 114.28% | 114.54% | 108.25% | 106.35% | 107.98% | 106.51% | 106.08% | -217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.66% | -0.41% | -3.06% | 1.51% | 2.89% | 4.77% | 8.21% | 2.14% | +63 bps | |
| Loan Growth (YoY) | 32.52% | 8.99% | 2.03% | 1.23% | -4.74% | -11.31% | -19.71% | -25.66% | -2,689 bps | |
| Share Growth (YoY) | -1.40% | -0.01% | -3.15% | 2.10% | 3.28% | 5.46% | 9.41% | 2.56% | +47 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.02% | 0.74% | 0.04% | 0.06% | 0.10% | 1.53% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.43% | 0.44% | 0.22% | 0.23% | 0.21% | 0.24% | 0.05% | 0.10% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.42% | 13.34% | 13.14% | 14.27% | 13.08% | 12.80% | 12.22% | 13.88% | -39 bps | |
| Net Worth / Assets | 13.42% | 13.34% | 13.14% | 14.27% | 13.08% | 12.80% | 12.22% | 13.88% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 84.43% | 86.04% | 85.24% | 94.70% | 77.87% | 72.36% | 62.55% | 68.64% | -2,605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |