Belmont, MS · Cert 34917
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Belmont, MS · Cert 34917
FDIC
Q4 2011
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 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | -0.20% | -0.07% | 0.02% | 0.06% | 0.29% | 0.35% | 0.47% | +45 bps | |
| Return on Equity | -0.91% | -2.09% | -0.78% | 0.18% | 0.73% | 3.29% | 3.90% | 5.14% | +496 bps | |
| Net Interest Margin | 3.12% | 3.17% | 3.20% | 3.12% | 3.05% | 3.05% | 2.95% | 2.83% | -28 bps | |
| Efficiency Ratio | 92.21% | 87.01% | 86.94% | 87.42% | 86.22% | 85.17% | 87.25% | 86.78% | -64 bps | |
| Non-Interest Burden | 2.82% | 2.66% | 2.69% | 2.64% | 2.56% | 2.51% | 2.50% | 2.38% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | -1.03% | 3.35% | 2.32% | 8.77% | 10.53% | 6.38% | 8.37% | +605 bps | |
| Loan Growth (YoY) | -1.51% | -6.27% | -7.33% | -2.69% | 2.18% | 1.02% | -14.08% | -18.07% | -1,538 bps | |
| Deposit Growth (YoY) | 5.33% | -1.28% | 4.34% | 3.08% | 10.29% | 12.10% | 6.68% | 8.75% | +567 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 | 1.33% | 1.90% | 1.33% | 1.00% | 0.00% | 0.07% | 0.04% | 0.03% | -97 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.03% | 0.94% | 1.28% | 1.29% | 1.31% | 1.32% | +38 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 | 15.84% | 15.58% | 16.02% | 15.47% | 16.65% | 15.76% | 18.56% | 18.63% | +316 bps | |
| Equity / Assets | 9.28% | 9.60% | 9.31% | 9.10% | 8.66% | 9.11% | 9.43% | 9.30% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 58.74% | 59.35% | 58.70% | 61.09% | 54.41% | 53.48% | 47.28% | 46.02% | -1,507 bps | |
| Liquid Assets / Assets | 13.83% | 9.64% | 11.43% | 14.58% | 16.01% | 13.58% | 13.45% | 12.89% | -169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |