Horn Lake, MS · Cert 58154
FDIC · 2 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Horn Lake, MS · Cert 58154
FDIC · 2 branches
Q1 2015
Market Position · Memphis, TN-MS-AR · 2014 SOD (annual) · 0.3% share · #41 of 57 inst. · $0.1B of $23.7B
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.93% | 0.57% | 0.60% | 0.72% | 0.78% | 0.96% | 0.88% | +28 bps | |
| Return on Equity | 3.15% | 7.03% | 4.38% | 5.28% | 6.37% | 6.91% | 8.42% | 7.37% | +209 bps | |
| Net Interest Margin | 3.97% | 4.03% | 4.14% | 4.04% | 4.27% | 4.29% | 4.21% | 4.14% | +10 bps | |
| Efficiency Ratio | 75.36% | 64.47% | 75.33% | 71.09% | 67.77% | 66.18% | 65.43% | 71.24% | +15 bps | |
| Non-Interest Burden | 2.87% | 2.14% | 3.00% | 2.71% | 2.71% | 2.64% | 2.55% | 2.80% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.30% | 4.48% | 1.91% | -1.62% | 3.35% | 4.01% | 6.23% | 1.84% | +345 bps | |
| Loan Growth (YoY) | 0.62% | 6.93% | 8.13% | 4.43% | 4.48% | 9.87% | 7.79% | 5.96% | +154 bps | |
| Deposit Growth (YoY) | 3.66% | 7.93% | 6.09% | 6.34% | 9.12% | 7.04% | 5.25% | 2.10% | -424 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 | 0.91% | 0.64% | 0.64% | -0.03% | -0.03% | 0.03% | 0.02% | 0.00% | +3 bps | |
| Allowance / Loans | 1.84% | 2.00% | 1.77% | 1.89% | 1.88% | 1.89% | 1.93% | 1.99% | +9 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 | 11.84% | n/a | n/a |
| Total Risk-Based Capital | 18.72% | 16.29% | 15.39% | 15.52% | 15.41% | 15.55% | 15.77% | 16.64% | +112 bps | |
| Equity / Assets | 13.83% | 11.58% | 11.38% | 11.21% | 11.19% | 11.36% | 11.69% | 12.10% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.04% | 88.10% | 92.70% | 86.63% | 90.04% | 90.43% | 94.94% | 89.91% | +328 bps | |
| Liquid Assets / Assets | 0.71% | 0.74% | 0.77% | 0.72% | 0.70% | 0.70% | 0.73% | 0.72% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |