Bude, MS · Cert 34763
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Bude, MS · Cert 34763
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.23% | 0.30% | 0.39% | 0.39% | 0.22% | 0.38% | 1.16% | 0.92% | +54 bps | |
| Return on Equity | 2.63% | 3.31% | 4.35% | 4.36% | 2.44% | 4.39% | 13.39% | 10.85% | +650 bps | |
| Net Interest Margin | 4.68% | 4.94% | 4.88% | 4.91% | 4.95% | 4.87% | 4.78% | 4.60% | -31 bps | |
| Efficiency Ratio | 100.10% | 94.03% | 92.21% | 92.36% | 92.63% | 83.94% | 75.46% | 76.79% | -1,557 bps | |
| Non-Interest Burden | 4.69% | 4.60% | 4.44% | 4.46% | 4.51% | 3.94% | 2.65% | 2.85% | -161 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.28% | -0.91% | 0.93% | 0.30% | 1.32% | 4.06% | 2.43% | 4.23% | +394 bps | |
| Loan Growth (YoY) | -2.71% | 2.89% | 7.29% | 11.48% | 6.64% | 6.28% | -2.08% | -9.54% | -2,102 bps | |
| Deposit Growth (YoY) | -1.88% | 1.35% | 1.99% | 0.55% | 3.17% | 5.06% | 4.17% | 7.04% | +649 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 | -0.39% | -0.13% | -0.02% | -0.22% | -0.10% | 0.00% | 0.09% | -0.04% | +18 bps | |
| Allowance / Loans | 0.94% | 0.96% | 0.96% | 1.11% | 1.09% | 1.17% | 1.36% | 1.64% | +53 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 | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 13.63% | 13.52% | 13.39% | 13.39% | 13.56% | 13.26% | 14.66% | 15.22% | +182 bps | |
| Equity / Assets | 9.01% | 8.90% | 8.83% | 8.95% | 8.92% | 8.54% | 8.43% | 8.17% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.97% | 78.48% | 78.48% | 81.59% | 81.63% | 79.40% | 73.77% | 68.95% | -1,264 bps | |
| Liquid Assets / Assets | 0.51% | 0.42% | 0.38% | 0.00% | 0.00% | 0.30% | 0.91% | 0.97% | +97 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |