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Omnibank

Mantee, MS · Cert 8871

FDIC · 3 branches

Q1 2022

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: Q1 2022, the quarter ended March 31, 2022, 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

Omnibank

Mantee, MS · Cert 8871

FDIC · 3 branches

Q1 2022

$57.0MAssets
$31.0MLoans
$52.1MDeposits
$4.7MEquity
Loan mix
57%RE $14.8M30%C&I $7.7M13%Consumer $3.5MQ1 2021Q1 2022
Deposit mix
63%Interest-bearing $32.7M37%Noninterest $19.4MQ1 2021Q1 2022

NIM

4.06%Q1 ’205.01%Q1 ’212.83%Q1 ’22+27%-44%

Non-interest income vs. expense

3.89%Q1 ’203.55%Q1 ’213.63%Q1 ’22-30%+3%

Market Position · Jackson, MS · 2021 SOD (annual) · 0.1% share · #25 of 31 inst. · $0.0B of $18.4B

15.4% Jasper
0.1% Hinds

Executive Summary

  • Earnings: ROA of -0.64%, down 207 bps year over year; NIM at 2.71%.
  • Asset quality: problem loans at 0.72% of loans (-35 bps YoY), with net recoveries of 0.10%.
  • Capital: tier 1 leverage ratio of 8.13%, down 150 bps from a year ago.
  • Funding: loans stand at 59.47% of deposits as of Q1 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.64%-207 bps YoY

Net Interest Margin (YTD, annualized)

2.71%-215 bps YoY

Efficiency Ratio (YTD, annualized)

121.84%+5,270 bps YoY

Tier 1 Leverage Ratio

8.13%-150 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets1.43%0.50%0.22%0.06%-0.64%-207 bps
Return on Equity15.76%5.53%2.40%0.71%-7.59%-2,335 bps
Net Interest Margin4.87%3.96%3.60%3.20%2.71%-215 bps
Efficiency Ratio69.15%87.93%94.27%97.91%121.84%+5,270 bps
Non-Interest Burden3.26%3.44%3.37%3.12%3.36%+9 bps
Growth
Asset Growth (YoY)14.57%2.03%3.06%4.17%3.56%-1,101 bps
Loan Growth (YoY)12.88%8.83%2.82%2.22%-9.43%-2,230 bps
Deposit Growth (YoY)15.56%1.74%3.46%4.72%4.37%-1,118 bps
Asset Quality
Nonperforming Loans / Loans1.07%1.00%1.00%0.81%0.72%-35 bps
Net Charge-Offs / Loans-0.11%-0.09%-0.09%-0.09%-0.10%0 bps
Allowance / Loans1.14%1.15%1.26%1.31%1.36%+21 bps
Allowance Coverage of NPLs1.1x1.1x1.3x1.6x1.9x+0.8x
Capital
Tier 1 Leverage Ratio9.63%8.55%8.47%9.30%8.13%-150 bps
Total Risk-Based Capital17.88%18.33%18.98%19.44%18.90%+102 bps
Equity / Assets9.17%9.02%9.04%8.63%8.17%-100 bps
Liquidity & Funding
Loans / Deposits68.53%69.49%65.29%61.74%59.47%-906 bps
Liquid Assets / Assets24.46%27.14%30.72%34.18%34.71%+1,025 bps
CRE / Total Capitaln/an/an/an/an/an/an/a