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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.14% | 0.24% | 0.34% | 0.26% | -0.03% | 0.26% | 0.27% | -9.02% | -928 bps | |
| Return on Equity | -22.69% | 2.59% | 3.74% | 2.99% | -0.37% | 2.84% | 2.91% | -104.47% | -10,746 bps | |
| Net Interest Margin | 3.55% | 3.36% | 3.52% | 3.59% | 3.65% | 3.43% | 3.56% | 3.43% | -16 bps | |
| Efficiency Ratio | 119.23% | 90.20% | 89.65% | 89.37% | 84.16% | 90.34% | 89.08% | 217% | +12,775 bps | |
| Non-Interest Burden | 4.12% | 3.00% | 3.12% | 3.17% | 3.02% | 3.06% | 3.13% | 12.78% | +961 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.70% | 1.20% | 3.60% | -1.01% | 0.87% | 9.49% | -0.50% | -4.49% | -348 bps | |
| Loan Growth (YoY) | 12.13% | 13.79% | 12.84% | 8.51% | 4.22% | 7.20% | -1.27% | -3.30% | -1,181 bps | |
| Deposit Growth (YoY) | 23.00% | 4.20% | -0.33% | 1.75% | 4.89% | 11.51% | 2.99% | -5.18% | -693 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.03% | 0.90% | 2.08% | 2.06% | 1.97% | 2.31% | 2.18% | 0.05% | -200 bps | |
| Net Charge-Offs / Loans | 0.08% | 1.10% | -0.11% | -0.09% | 0.66% | 0.14% | 0.13% | 7.35% | +744 bps | |
| Allowance / Loans | 1.22% | 0.95% | 0.94% | 0.95% | 1.00% | 0.94% | 0.96% | 0.00% | -95 bps | |
| Allowance Coverage of NPLs | 1.2x | 1.1x | 0.5x | 0.5x | 0.5x | 0.4x | 0.4x | 0.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.31% | 9.41% | 9.41% | 9.15% | 9.34% | 9.42% | 9.38% | 6.88% | -227 bps | |
| Total Risk-Based Capital | 13.68% | 13.59% | 13.42% | 13.60% | 13.73% | 13.63% | 14.26% | 9.62% | -398 bps | |
| Equity / Assets | 9.33% | 9.40% | 8.88% | 8.85% | 9.28% | 8.93% | 9.56% | 7.66% | -119 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.05% | 85.10% | 85.40% | 81.01% | 83.51% | 81.80% | 81.87% | 82.61% | +160 bps | |
| Liquid Assets / Assets | 0.84% | 1.50% | 2.30% | 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 | n/a | n/a | n/a |