Biloxi, MS · Cert 58776
FDIC · 4 branches
Q3 2019
Market Position · Gulfport-Biloxi, MS · 2019 SOD (annual) · 2.1% share · #11 of 17 inst. · $0.1B of $6.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -0.03% | 0.26% | 0.27% | -9.02% | -928 bps | |
| Return on Equity | 2.99% | -0.37% | 2.84% | 2.91% | -104.47% | -10,746 bps | |
| Net Interest Margin | 3.59% | 3.65% | 3.43% | 3.56% | 3.43% | -16 bps | |
| Efficiency Ratio | 89.37% | 84.16% | 90.34% | 89.08% | 217% | +12,775 bps | |
| Non-Interest Burden | 3.17% | 3.02% | 3.06% | 3.13% | 12.78% | +961 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.01% | 0.87% | 9.49% | -0.50% | -4.49% | -348 bps | |
| Loan Growth (YoY) | 8.51% | 4.22% | 7.20% | -1.27% | -3.30% | -1,181 bps | |
| Deposit Growth (YoY) | 1.75% | 4.89% | 11.51% | 2.99% | -5.18% | -693 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.06% | 1.97% | 2.31% | 2.18% | 0.05% | -200 bps | |
| Net Charge-Offs / Loans | -0.09% | 0.66% | 0.14% | 0.13% | 7.35% | +744 bps | |
| Allowance / Loans | 0.95% | 1.00% | 0.94% | 0.96% | 0.00% | -95 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.4x | 0.4x | 0.0x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.15% | 9.34% | 9.42% | 9.38% | 6.88% | -227 bps | |
| Total Risk-Based Capital | 13.60% | 13.73% | 13.63% | 14.26% | 9.62% | -398 bps | |
| Equity / Assets | 8.85% | 9.28% | 8.93% | 9.56% | 7.66% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 81.01% | 83.51% | 81.80% | 81.87% | 82.61% | +160 bps | |
| Liquid Assets / Assets | 1.37% | 2.89% | 3.69% | 4.22% | 1.81% | +43 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |