Bude, MS · Cert 34763
FDIC
Q3 2013
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | 0.30% | 0.48% | 0.39% | -0.30% | 0.38% | 1.90% | 0.47% | +8 bps | |
| Return on Equity | -3.92% | 3.31% | 5.39% | 4.37% | -3.32% | 4.39% | 22.42% | 5.69% | +132 bps | |
| Net Interest Margin | 4.76% | 4.94% | 4.88% | 5.03% | 5.03% | 4.87% | 4.83% | 4.29% | -74 bps | |
| Efficiency Ratio | 104.52% | 94.03% | 90.45% | 92.63% | 93.41% | 83.94% | 71.39% | 81.07% | -1,156 bps | |
| Non-Interest Burden | 5.02% | 4.60% | 4.33% | 4.56% | 4.63% | 3.94% | 1.47% | 3.27% | -129 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 | 0.30% | -0.13% | 0.09% | -0.62% | 0.27% | 0.00% | 0.17% | -0.31% | +31 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 |