Oxford, MS · Cert 57034
FDIC · 3 branches
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.47% | 1.10% | -1.53% | 2.59% | +208 bps | |
| Return on Equity | 4.65% | 4.37% | 9.94% | -14.64% | 27.14% | +2,249 bps | |
| Net Interest Margin | 2.76% | 2.99% | 3.14% | 1.70% | 5.35% | +258 bps | |
| Efficiency Ratio | 80.15% | 79.63% | 65.95% | 43.95% | 48.20% | -3,195 bps | |
| Non-Interest Burden | 2.14% | 2.29% | 1.68% | 0.65% | 2.32% | +18 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.54% | 3.66% | 4.67% | 7.36% | 2.90% | +344 bps | |
| Loan Growth (YoY) | 12.67% | 7.60% | 7.62% | 0.04% | -0.55% | -1,322 bps | |
| Deposit Growth (YoY) | -16.30% | -8.41% | -1.47% | 13.57% | 23.86% | +4,016 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.06% | 0.05% | 0.11% | 0.28% | 0.55% | +49 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.35% | 0.00% | 0.03% | +1 bps | |
| Allowance / Loans | 1.30% | 1.34% | 1.22% | 1.32% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | 23.0x | 25.5x | 11.4x | 4.8x | 2.4x | -20.6x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.21% | 12.17% | 12.48% | 7.88% | 8.62% | -359 bps | |
| Total Risk-Based Capital | 12.21% | 12.17% | 12.48% | 11.13% | 12.00% | -21 bps | |
| Equity / Assets | 10.94% | 10.71% | 11.45% | 9.57% | 9.53% | -141 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 103.99% | 98.50% | 104.20% | 87.52% | 83.50% | -2,049 bps | |
| Liquid Assets / Assets | 0.71% | 1.98% | 0.39% | 1.34% | 2.39% | +168 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |