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Newton County Bank

Newton, MS · Cert 9367

FDIC · 6 branches

Q2 2015

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: Q2 2015, the quarter ended June 30, 2015, 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

Newton County Bank

Newton, MS · Cert 9367

FDIC · 6 branches

Q2 2015

$158.0MAssets
$89.1MLoans
$134.1MDeposits
$22.5MEquity
Loan mix
80%RE $57.3M4%C&I $2.5M16%Consumer $11.4MQ2 2014Q2 2015
Deposit mix
82%Interest-bearing $110.3M18%Noninterest $23.7MQ2 2014Q2 2015

NIM

3.89%Q2 ’133.82%Q2 ’143.63%Q2 ’15-1%-4%

Non-interest income vs. expense

3.31%Q2 ’133.32%Q2 ’143.20%Q2 ’15+5%0%

Executive Summary

  • Earnings: ROA of 1.18%, down 15 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Capital: tier 1 leverage ratio of 12.98%.
  • Funding: loans stand at 66.47% of deposits as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

1.18%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.47%-14 bps YoY

Efficiency Ratio (YTD, annualized)

73.08%+193 bps YoY

Tier 1 Leverage Ratio

12.98%

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets1.32%1.40%1.25%1.16%1.18%-15 bps
Return on Equity9.97%10.49%9.32%8.50%8.47%-151 bps
Net Interest Margin3.61%3.65%3.67%3.43%3.47%-14 bps
Efficiency Ratio71.15%70.09%72.98%72.87%73.08%+193 bps
Non-Interest Burden2.26%2.24%2.38%2.22%2.25%-1 bps
Growth
Asset Growth (YoY)1.29%1.70%1.31%0.70%-0.39%-168 bps
Loan Growth (YoY)-2.01%-1.59%-2.01%0.78%2.18%+419 bps
Deposit Growth (YoY)0.74%1.21%0.85%0.02%-1.18%-193 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.06%0.04%0.05%+5 bps
Allowance / Loans1.39%1.37%1.34%1.37%1.32%-7 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/a12.77%12.98%n/a
Total Risk-Based Capital19.72%19.77%19.85%19.82%19.58%-14 bps
Equity / Assets13.43%13.45%13.73%13.67%14.24%+81 bps
Liquidity & Funding
Loans / Deposits64.28%65.32%66.16%62.51%66.47%+219 bps
Liquid Assets / Assets8.79%7.63%8.32%8.29%8.16%-63 bps
CRE / Total Capitaln/an/an/an/an/an/an/a