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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.62% | -1.70% | -0.95% | -2.92% | -3.21% | -3.30% | -2.29% | -5.00% | -208 bps | |
| Return on Equity | -20.95% | -21.76% | -11.08% | -21.97% | -24.50% | -25.70% | -16.67% | -25.33% | -336 bps | |
| Net Interest Margin | 2.57% | 2.50% | 3.13% | 2.72% | 2.74% | 2.59% | 2.99% | 2.96% | +24 bps | |
| Efficiency Ratio | 147.92% | 154.30% | 114.45% | 192.03% | 204% | 217% | 151.02% | 243% | +5,129 bps | |
| Non-Interest Burden | 4.16% | 4.23% | 3.94% | 5.52% | 5.91% | 5.92% | 5.61% | 7.89% | +237 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.26% | -4.40% | -33.26% | -34.98% | -37.50% | -35.96% | -42.03% | -43.11% | -813 bps | |
| Loan Growth (YoY) | -17.65% | -22.01% | -34.85% | -34.66% | -38.77% | -39.22% | -38.36% | -36.79% | -213 bps | |
| Deposit Growth (YoY) | -13.31% | -5.37% | -39.19% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.03% | -0.75% | -6.34% | -3.86% | -2.81% | -2.54% | -0.87% | +547 bps | |
| Allowance / Loans | 1.45% | 1.58% | 2.67% | 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 | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | 13.07% | 12.65% | 12.08% | 15.48% | 19.21% | +614 bps | |
| Total Risk-Based Capital | 16.28% | 16.63% | 21.96% | 22.32% | 23.48% | 24.75% | 31.10% | 33.33% | +1,101 bps | |
| Equity / Assets | 8.46% | 8.02% | 13.36% | 13.22% | 12.66% | 12.10% | 19.60% | 19.90% | +668 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 47.74% | 45.54% | 57.47% | 56.15% | 48.97% | 45.38% | 67.53% | 69.23% | +1,308 bps | |
| Liquid Assets / Assets | 28.04% | 35.02% | 18.96% | 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 | n/a | n/a | n/a |