Cleveland, MS · Cert 8878
FDIC · 35 branches
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Cleveland, MS · Cert 8878
FDIC · 35 branches
Q1 2020
Market Position · Jackson, MS · 2019 SOD (annual) · 1.2% share · #15 of 29 inst. · $0.2B of $14.0B
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.83% | 0.84% | 0.81% | 0.80% | 0.84% | 0.92% | 0.95% | -1.16% | -196 bps | |
| Return on Equity | 7.94% | 8.00% | 7.78% | 7.54% | 7.78% | 8.47% | 8.66% | -10.40% | -1,794 bps | |
| Net Interest Margin | 3.46% | 3.51% | 3.42% | 3.30% | 3.38% | 3.44% | 3.47% | 3.41% | +11 bps | |
| Efficiency Ratio | 72.28% | 72.34% | 72.74% | 69.88% | 70.47% | 68.69% | 68.48% | 154.27% | +8,439 bps | |
| Non-Interest Burden | 2.30% | 2.32% | 2.28% | 2.09% | 2.15% | 2.12% | 2.13% | 5.47% | +338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.28% | 2.99% | 4.67% | 2.58% | 2.70% | 1.25% | -2.37% | 0.55% | -203 bps | |
| Loan Growth (YoY) | 2.64% | -0.13% | -1.77% | -1.22% | 0.12% | 0.17% | 3.82% | 3.57% | +480 bps | |
| Deposit Growth (YoY) | 4.74% | 4.94% | 9.20% | 3.12% | 3.21% | 2.04% | -2.00% | 1.56% | -156 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.72% | 0.51% | 0.41% | 0.37% | 0.41% | 0.34% | 0.30% | 0.31% | -6 bps | |
| Net Charge-Offs / Loans | 0.16% | 0.13% | 0.14% | 0.11% | -0.03% | 0.07% | 0.13% | 0.28% | +18 bps | |
| Allowance / Loans | 1.02% | 0.99% | 0.99% | 1.00% | 1.03% | 0.96% | 0.87% | 0.81% | -19 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.9x | 2.4x | 2.7x | 2.5x | 2.8x | 2.9x | 2.6x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.59% | 8.91% | 8.71% | 8.66% | 8.89% | 9.16% | 9.34% | 8.70% | +5 bps | |
| Total Risk-Based Capital | 11.29% | 11.57% | 11.70% | 11.88% | 11.97% | 12.06% | 12.08% | 11.28% | -60 bps | |
| Equity / Assets | 10.53% | 10.66% | 10.47% | 10.80% | 11.01% | 11.31% | 11.40% | 10.85% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.01% | 90.82% | 85.52% | 86.62% | 88.28% | 89.15% | 90.60% | 88.33% | +172 bps | |
| Liquid Assets / Assets | 0.14% | 0.16% | 0.11% | 0.11% | 0.20% | 1.11% | 1.01% | 0.15% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |