Iuka, MS · Cert 19226
FDIC · 10 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 0.92% | 0.99% | 0.88% | 0.54% | 0.41% | 0.56% | -0.88% | -176 bps | |
| Return on Equity | 9.73% | 10.27% | 13.66% | 15.13% | 10.14% | 7.16% | 9.78% | -18.01% | -3,314 bps | |
| Net Interest Margin | 3.46% | 3.39% | 3.58% | 3.80% | 3.85% | 3.30% | 3.40% | 3.48% | -31 bps | |
| Efficiency Ratio | 77.12% | 74.66% | 70.31% | 74.34% | 81.15% | 83.23% | 83.56% | 103.41% | +2,907 bps | |
| Non-Interest Burden | 2.39% | 2.26% | 2.15% | 2.54% | 2.91% | 2.58% | 2.69% | 3.63% | +110 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.35% | 5.11% | 2.27% | -0.22% | -0.66% | 1.29% | 2.95% | 1.99% | +221 bps | |
| Loan Growth (YoY) | 8.15% | 7.54% | 2.74% | 7.13% | 11.66% | 11.89% | 10.85% | 10.38% | +324 bps | |
| Deposit Growth (YoY) | 13.02% | 7.38% | 6.88% | 4.14% | 2.96% | 3.38% | 3.94% | 3.91% | -23 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.01% | 0.79% | 0.79% | 0.71% | 0.77% | 1.07% | 0.93% | 1.16% | +45 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.08% | 0.18% | 0.25% | -0.15% | 0.06% | 0.08% | 0.11% | -14 bps | |
| Allowance / Loans | 1.14% | 1.11% | 1.09% | 1.02% | 1.12% | 1.26% | 1.22% | 1.44% | +41 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.4x | 1.4x | 1.4x | 1.5x | 1.2x | 1.3x | 1.2x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 10.09% | 10.21% | 10.27% | 10.17% | 10.10% | 10.05% | 9.69% | -58 bps | |
| Total Risk-Based Capital | 9.93% | 10.09% | 10.21% | 10.27% | 10.17% | 10.10% | 10.05% | 9.69% | -58 bps | |
| Equity / Assets | 9.90% | 8.00% | 6.42% | 5.24% | 5.45% | 5.92% | 5.46% | 4.29% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.85% | 57.57% | 59.07% | 62.20% | 63.83% | 62.31% | 63.00% | 66.07% | +387 bps | |
| Liquid Assets / Assets | 4.67% | 5.31% | 4.68% | 4.80% | 3.12% | 3.60% | 3.51% | 3.56% | -124 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |