Corinth, MS · Cert 33109
FDIC · 7 branches
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Corinth, MS · Cert 33109
FDIC · 7 branches
Q1 2016
Market Position · Huntsville, AL · 2015 SOD (annual) · 0.7% share · #20 of 30 inst. · $0.0B of $7.0B
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.92% | -3.21% | -3.30% | -2.29% | -5.00% | -208 bps | |
| Return on Equity | -21.97% | -24.50% | -25.70% | -16.67% | -25.33% | -336 bps | |
| Net Interest Margin | 2.72% | 2.74% | 2.59% | 2.99% | 2.96% | +24 bps | |
| Efficiency Ratio | 192.03% | 204% | 217% | 151.02% | 243% | +5,129 bps | |
| Non-Interest Burden | 5.52% | 5.91% | 5.92% | 5.61% | 7.89% | +237 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -34.98% | -37.50% | -35.96% | -42.03% | -43.11% | -813 bps | |
| Loan Growth (YoY) | -34.66% | -38.77% | -39.22% | -38.36% | -36.79% | -213 bps | |
| Deposit Growth (YoY) | -40.22% | -40.31% | -39.01% | -47.55% | -48.74% | -851 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -6.34% | -3.86% | -2.81% | -2.54% | -0.87% | +547 bps | |
| Allowance / Loans | 4.40% | 5.25% | 5.68% | 6.88% | 7.28% | +288 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 13.07% | 12.65% | 12.08% | 15.48% | 19.21% | +614 bps | |
| Total Risk-Based Capital | 22.32% | 23.48% | 24.75% | 31.10% | 33.33% | +1,101 bps | |
| Equity / Assets | 13.22% | 12.66% | 12.10% | 19.60% | 19.90% | +668 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 56.15% | 48.97% | 45.38% | 67.53% | 69.23% | +1,308 bps | |
| Liquid Assets / Assets | 25.43% | 31.40% | 34.84% | 7.85% | 10.72% | -1,472 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |