Oxford, MS · Cert 57034
FDIC · 3 branches
Q2 2024
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 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 0.98% | 0.42% | 0.47% | 0.47% | 0.63% | -1.53% | 0.54% | +8 bps | |
| Return on Equity | 10.96% | 9.17% | 3.75% | 4.20% | 4.26% | 5.67% | -14.64% | 5.35% | +115 bps | |
| Net Interest Margin | 3.24% | 3.32% | 2.87% | 2.79% | 2.83% | 2.92% | 1.70% | 3.52% | +73 bps | |
| Efficiency Ratio | 61.98% | 65.95% | 80.03% | 80.09% | 79.93% | 75.65% | 43.95% | 47.16% | -3,293 bps | |
| Non-Interest Burden | 1.82% | 2.03% | 2.21% | 2.16% | 2.18% | 2.06% | 0.65% | 1.48% | -67 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.31% | 5.18% | 6.81% | -0.54% | 3.66% | 4.67% | 7.36% | 2.90% | +344 bps | |
| Loan Growth (YoY) | 7.02% | 9.87% | 14.93% | 12.67% | 7.60% | 7.62% | 0.04% | -0.55% | -1,322 bps | |
| Deposit Growth (YoY) | 4.72% | -4.83% | -9.39% | -16.30% | -8.41% | -1.47% | 13.57% | 23.86% | +4,016 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.05% | 0.15% | 0.06% | 0.05% | 0.11% | 0.28% | 0.55% | +49 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.01% | 0.02% | 0.01% | 0.10% | 0.00% | 0.02% | 0 bps | |
| Allowance / Loans | 1.17% | 1.20% | 1.37% | 1.30% | 1.34% | 1.22% | 1.32% | 1.30% | 0 bps | |
| Allowance Coverage of NPLs | 14.6x | 24.8x | 8.9x | 23.0x | 25.5x | 11.4x | 4.8x | 2.4x | -20.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.21% | 12.69% | 12.28% | 12.21% | 12.17% | 12.48% | 7.88% | 8.62% | -359 bps | |
| Total Risk-Based Capital | 12.21% | 12.69% | 12.28% | 12.21% | 12.17% | 12.48% | 11.13% | 12.00% | -21 bps | |
| Equity / Assets | 11.10% | 11.48% | 10.94% | 10.94% | 10.71% | 11.45% | 9.57% | 9.53% | -141 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.84% | 95.40% | 99.36% | 103.99% | 98.50% | 104.20% | 87.52% | 83.50% | -2,049 bps | |
| Liquid Assets / Assets | 3.02% | 0.43% | 0.97% | 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 | n/a | n/a | n/a |