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Midsouth Bank

Murfreesboro, TN · Cert 57659

FDIC · 5 branches

Q2 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2014, the quarter ended June 30, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Midsouth Bank

Murfreesboro, TN · Cert 57659

FDIC · 5 branches

Q2 2014

$281.1MAssets
$198.8MLoans
$244.3MDeposits
$28.5MEquity
Loan mix
87%RE $148.5M12%C&I $19.5M1%Consumer $1.8MQ2 2013Q2 2014
Deposit mix
77%Interest-bearing $188.6M23%Noninterest $55.7MQ2 2013Q2 2014

NIM

3.95%Q2 ’123.75%Q2 ’133.98%Q2 ’14-1%+9%

Non-interest income vs. expense

3.69%Q2 ’124.25%Q2 ’135.70%Q2 ’14-6%+57%

Market Position · Nashville-Davidson-Murfreesboro-Franklin, TN · 2014 SOD (annual) · 0.6% share · #30 of 65 inst. · $0.2B of $44.1B

Executive Summary

  • Earnings: ROA of -0.55%, down 131 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.15%.
  • Funding: loans stand at 81.36% of deposits as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

-0.55%-131 bps YoY

Net Interest Margin (YTD, annualized)

3.69%+32 bps YoY

Efficiency Ratio (YTD, annualized)

107.66%+2,290 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.76%0.77%0.58%0.36%-0.55%-131 bps
Return on Equity6.79%6.96%5.32%3.49%-5.42%-1,221 bps
Net Interest Margin3.37%3.35%3.30%3.62%3.69%+32 bps
Efficiency Ratio84.76%84.38%88.20%96.23%107.66%+2,290 bps
Non-Interest Burden2.61%2.59%2.74%3.44%4.09%+149 bps
Growth
Asset Growth (YoY)6.33%8.87%9.57%9.09%8.92%+258 bps
Loan Growth (YoY)9.21%8.27%20.33%16.95%27.17%+1,796 bps
Deposit Growth (YoY)7.45%10.55%9.03%7.90%6.54%-91 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.20%0.19%0.17%-0.05%-0.15%+5 bps
Allowance / Loans2.07%1.83%1.62%1.59%1.66%-42 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital16.51%16.20%15.02%14.92%13.18%-333 bps
Equity / Assets10.73%10.72%10.00%10.48%10.13%-60 bps
Liquidity & Funding
Loans / Deposits68.16%67.61%71.46%74.70%81.36%+1,320 bps
Liquid Assets / Assets8.23%6.48%4.01%3.01%3.98%-425 bps
CRE / Total Capitaln/an/an/an/an/an/an/a