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Mississippi Southern Bank

Port Gibson, MS · Cert 8551

FDIC

Q3 2002

$47.6MAssets
$17.8MLoans
$42.9MDeposits
$4.5MEquity
Deposit mix
82%Interest-bearing $35.2M18%Noninterest $7.6MQ4 2000Q3 2002

Executive Summary

  • Earnings: ROA of 2.19%, down 27 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.17%.
  • Funding: loans stand at 41.45% of deposits as of Q3 2002.

Return on Assets (YTD, annualized)

2.19%-27 bps YoY

Net Interest Margin (YTD, annualized)

4.38%-21 bps YoY

Efficiency Ratio (YTD, annualized)

61.22%+761 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

7.75%Q1 ’017.39%Q3 ’016.16%Q3 ’02-4%-5%

Non-interest income vs. expense

3.08%Q1 ’012.94%Q3 ’013.15%Q3 ’02-9%+17%

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001Q1 2002Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets1.78%2.40%2.48%2.46%1.93%2.19%2.23%2.19%-27 bps
Return on Equityn/an/an/an/an/a22.93%23.52%23.12%n/a
Net Interest Marginn/a4.76%4.73%4.59%4.58%4.71%4.49%4.38%-21 bps
Efficiency Ration/a55.03%53.90%53.60%55.24%59.76%60.43%61.22%+761 bps
Non-Interest Burdenn/a2.25%2.15%2.05%2.10%2.51%2.41%2.39%+34 bps
Growth
Asset Growth (YoY)0.85%5.24%-1.43%4.48%5.49%2.80%10.97%13.66%+918 bps
Loan Growth (YoY)3.94%12.92%9.44%10.83%5.82%-9.11%-5.48%-3.21%-1,404 bps
Deposit Growth (YoY)0.01%4.25%-3.14%3.41%5.24%3.35%12.01%15.31%+1,190 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a-0.48%-0.18%-0.10%-0.02%0.10%-0.02%0.17%+27 bps
Allowance / Loansn/a3.00%3.08%3.11%4.36%4.67%4.42%4.01%+90 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a16.60%17.69%17.48%16.36%17.63%16.81%16.41%-108 bps
Equity / Assetsn/a10.03%10.73%10.72%9.59%9.55%9.36%9.43%-129 bps
Liquidity & Funding
Loans / Deposits47.41%49.44%49.22%49.38%47.67%43.48%41.54%41.45%-793 bps
Liquid Assets / Assets0.00%4.83%4.63%2.65%2.31%2.08%1.70%1.17%-148 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a