Laurel, MS · Cert 34897
FDIC · 2 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Laurel, MS · Cert 34897
FDIC · 2 branches
Q4 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.11% | 0.96% | 0.98% | 1.06% | 1.22% | 1.20% | 1.15% | 0.84% | -22 bps | |
| Return on Equity | 9.43% | 8.48% | 8.67% | 9.46% | 11.11% | 10.63% | 9.90% | 7.12% | -234 bps | |
| Net Interest Margin | 1.98% | 2.02% | 2.12% | 2.20% | 2.52% | 2.55% | 2.50% | 2.53% | +34 bps | |
| Efficiency Ratio | 56.85% | 54.40% | 52.82% | 50.21% | 50.66% | 45.66% | 45.72% | 59.35% | +914 bps | |
| Non-Interest Burden | 1.00% | 0.96% | 0.98% | 0.96% | 1.15% | 1.02% | 1.00% | 1.40% | +44 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.31% | -2.53% | -1.28% | -2.49% | 4.17% | -0.35% | -1.48% | -1.48% | +101 bps | |
| Loan Growth (YoY) | -10.79% | -3.32% | -2.17% | 9.77% | 8.96% | 0.96% | 1.65% | -6.61% | -1,637 bps | |
| Deposit Growth (YoY) | -7.61% | -1.32% | 0.35% | -1.38% | 5.81% | -3.02% | -3.60% | -3.79% | -241 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 | -0.05% | -0.03% | -0.02% | 0.01% | 0.02% | 0.04% | 0.64% | 0.60% | +59 bps | |
| Allowance / Loans | 1.57% | 1.50% | 1.56% | 1.44% | 1.47% | 1.59% | 1.28% | 1.16% | -28 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 | 28.86% | 27.63% | 29.30% | 29.11% | 28.59% | 29.88% | 30.54% | 29.98% | +88 bps | |
| Equity / Assets | 11.85% | 10.64% | 10.92% | 11.13% | 10.85% | 11.99% | 12.39% | 12.76% | +163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 30.38% | 30.76% | 29.70% | 33.66% | 31.29% | 32.02% | 31.32% | 32.68% | -99 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.06% | 0.17% | 0.16% | 0.17% | 0.17% | 0.18% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |