Biloxi, MS · Cert 34121
FDIC · 15 branches
Q4 2017
Market Position · Gulfport-Biloxi-Pascagoula, MS · 2017 SOD (annual) · 6.0% share · #6 of 15 inst. · $0.3B of $5.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.70% | 0.72% | 0.73% | 0.70% | 0.74% | 0.80% | 0.28% | -45 bps | |
| Return on Equity | 6.14% | 7.14% | 7.20% | 7.35% | 7.27% | 7.80% | 8.33% | 2.86% | -449 bps | |
| Net Interest Margin | 3.38% | 3.55% | 3.62% | 3.63% | 3.45% | 3.58% | 3.67% | 3.74% | +10 bps | |
| Efficiency Ratio | 70.97% | 68.62% | 68.74% | 66.43% | 68.11% | 65.51% | 66.59% | 65.40% | -103 bps | |
| Non-Interest Burden | 2.21% | 2.22% | 2.28% | 2.24% | 2.16% | 2.14% | 2.27% | 2.27% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.90% | 4.21% | 2.12% | 5.22% | 8.78% | 11.85% | 11.97% | 7.96% | +274 bps | |
| Loan Growth (YoY) | 7.30% | 6.15% | 6.83% | 6.29% | 9.23% | 13.29% | 12.66% | 12.70% | +641 bps | |
| Deposit Growth (YoY) | 5.16% | 3.63% | 1.27% | 4.93% | 8.78% | 13.08% | 13.06% | 8.65% | +372 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.35% | 0.90% | 0.49% | 0.32% | +32 bps | |
| Net Charge-Offs / Loans | 0.25% | 0.23% | 0.30% | 0.02% | -0.07% | 0.54% | 0.37% | 0.01% | -1 bps | |
| Allowance / Loans | 1.04% | 1.08% | 1.04% | 1.08% | 1.12% | 1.01% | 0.96% | 1.00% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.8x | 1.1x | 2.0x | 3.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.15% | 8.29% | 8.43% | 8.42% | 8.03% | 8.08% | 8.23% | 8.43% | +1 bps | |
| Total Risk-Based Capital | 12.88% | 12.77% | 12.62% | 12.62% | 12.63% | 12.56% | 12.61% | 12.62% | 0 bps | |
| Equity / Assets | 9.77% | 9.86% | 10.12% | 9.81% | 9.41% | 9.43% | 9.80% | 9.88% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.36% | 82.19% | 85.62% | 83.88% | 80.69% | 82.34% | 85.31% | 87.00% | +313 bps | |
| Liquid Assets / Assets | 7.52% | 7.89% | 5.46% | 6.16% | 8.61% | 6.43% | 4.42% | 2.08% | -408 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |