Clarksdale, MS · Cert 57039
FDIC · 5 branches
Q4 2015
Market Position · Memphis, TN-MS-AR · 2015 SOD (annual) · 0.2% share · #43 of 56 inst. · $0.1B of $27.0B
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.49% | 0.44% | 0.54% | 0.24% | 0.32% | 0.13% | 0.29% | 0.28% | +5 bps | |
| Return on Equity | 4.55% | 4.14% | 5.00% | 2.19% | 2.80% | 1.13% | 2.56% | 2.52% | +33 bps | |
| Net Interest Margin | 3.62% | 3.64% | 3.71% | 3.70% | 3.69% | 3.73% | 3.74% | 3.81% | +11 bps | |
| Efficiency Ratio | 78.23% | 78.70% | 77.88% | 77.76% | 88.26% | 85.15% | 83.11% | 86.35% | +860 bps | |
| Non-Interest Burden | 2.64% | 2.67% | 2.67% | 2.65% | 3.14% | 3.02% | 2.93% | 3.14% | +48 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.21% | 5.67% | 0.10% | -0.51% | -5.56% | -8.39% | -1.84% | -2.19% | -168 bps | |
| Loan Growth (YoY) | 4.14% | 9.81% | 2.54% | 2.13% | 0.04% | 0.02% | 5.19% | 2.14% | +1 bps | |
| Deposit Growth (YoY) | -4.47% | 3.48% | -0.69% | -0.22% | -6.60% | -8.32% | -3.63% | -9.81% | -959 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 | 1.00% | 0.93% | 0.61% | 1.20% | 0.36% | 0.53% | 0.36% | 0.65% | -55 bps | |
| Allowance / Loans | 1.36% | 1.25% | 1.41% | 1.39% | 1.41% | 1.52% | 1.60% | 1.18% | -21 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 | 10.91% | 10.94% | 10.95% | 11.00% | n/a | |
| Total Risk-Based Capital | 13.20% | 12.49% | 13.59% | 12.81% | 14.08% | 13.66% | 13.77% | 13.55% | +74 bps | |
| Equity / Assets | 10.60% | 10.34% | 11.32% | 11.07% | 11.44% | 11.26% | 11.40% | 11.30% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.41% | 88.26% | 91.43% | 90.41% | 90.41% | 96.29% | 99.80% | 102.38% | +1,197 bps | |
| Liquid Assets / Assets | 6.78% | 5.40% | 6.99% | 4.27% | 5.93% | 3.53% | 3.25% | 3.41% | -86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |