Natchez, MS · Cert 4995
FDIC
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 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.
Natchez, MS · Cert 4995
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.35% | 0.24% | 0.00% | 0.10% | 0.31% | 0.28% | 0.43% | 0.36% | +26 bps | |
| Return on Equity | 3.03% | 2.02% | -0.03% | 0.82% | 2.26% | 2.01% | 3.14% | 2.67% | +185 bps | |
| Net Interest Margin | 2.81% | 2.78% | 2.81% | 2.95% | 3.02% | 3.09% | 3.17% | 3.20% | +25 bps | |
| Efficiency Ratio | 88.12% | 93.44% | 103.93% | 101.53% | 91.77% | 93.16% | 89.27% | 91.12% | -1,041 bps | |
| Non-Interest Burden | 2.41% | 2.57% | 2.99% | 3.04% | 2.73% | 2.85% | 2.76% | 2.87% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.68% | -10.91% | -9.94% | -16.59% | -12.52% | -11.31% | -6.36% | -1.32% | +1,527 bps | |
| Loan Growth (YoY) | -14.77% | -15.90% | -17.01% | -15.21% | -13.19% | 2.07% | 9.16% | 11.61% | +2,682 bps | |
| Deposit Growth (YoY) | -7.84% | -13.77% | -12.71% | -14.64% | -8.86% | -6.74% | -3.58% | -1.97% | +1,266 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 | 0.17% | 0.41% | 0.85% | 0.89% | 0.46% | 0.22% | 0.22% | 0.25% | -64 bps | |
| Allowance / Loans | 2.36% | 2.34% | 1.99% | 1.66% | 1.58% | 1.42% | 1.31% | 1.24% | -42 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 | 19.97% | 21.07% | 21.73% | 22.71% | 23.24% | 22.09% | 21.71% | 21.88% | -82 bps | |
| Equity / Assets | 11.81% | 12.45% | 12.62% | 13.85% | 13.56% | 13.71% | 13.29% | 13.70% | -16 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.98% | 70.18% | 69.26% | 70.00% | 66.66% | 76.80% | 78.41% | 79.70% | +970 bps | |
| Liquid Assets / Assets | 18.46% | 19.01% | 20.81% | 16.89% | 17.09% | 9.71% | 9.25% | 8.99% | -790 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |