Newton, MS · Cert 9367
FDIC · 6 branches
Q2 2015
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.26% | 1.25% | 1.32% | 1.40% | 1.25% | 1.16% | 1.18% | -15 bps | |
| Return on Equity | 11.27% | 9.71% | 9.48% | 9.97% | 10.49% | 9.32% | 8.50% | 8.47% | -151 bps | |
| Net Interest Margin | 3.72% | 3.80% | 3.62% | 3.61% | 3.65% | 3.67% | 3.43% | 3.47% | -14 bps | |
| Efficiency Ratio | 68.65% | 72.63% | 72.34% | 71.15% | 70.09% | 72.98% | 72.87% | 73.08% | +193 bps | |
| Non-Interest Burden | 2.20% | 2.45% | 2.32% | 2.26% | 2.24% | 2.38% | 2.22% | 2.25% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.79% | -1.49% | 0.52% | 1.29% | 1.70% | 1.31% | 0.70% | -0.39% | -168 bps | |
| Loan Growth (YoY) | -5.53% | -0.27% | -5.40% | -2.01% | -1.59% | -2.01% | 0.78% | 2.18% | +419 bps | |
| Deposit Growth (YoY) | -0.75% | -1.98% | 0.23% | 0.74% | 1.21% | 0.85% | 0.02% | -1.18% | -193 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.06% | 0.04% | 0.05% | +5 bps | |
| Allowance / Loans | 1.30% | 1.32% | 1.41% | 1.39% | 1.37% | 1.34% | 1.37% | 1.32% | -7 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 12.77% | 12.98% | n/a | |
| Total Risk-Based Capital | 18.94% | 18.68% | 19.79% | 19.72% | 19.77% | 19.85% | 19.82% | 19.58% | -14 bps | |
| Equity / Assets | 12.96% | 13.26% | 13.11% | 13.43% | 13.45% | 13.73% | 13.67% | 14.24% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.18% | 68.09% | 62.04% | 64.28% | 65.32% | 66.16% | 62.51% | 66.47% | +219 bps | |
| Liquid Assets / Assets | 9.12% | 8.48% | 8.76% | 8.79% | 7.63% | 8.32% | 8.29% | 8.16% | -63 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |