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SAFE & SOUND® STAR RATINGS

BANK OF BENOIT

202 MAIN STREET
BENOIT, Mississippi 38725

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$17,068$20,716$18,021
Loans Receivable, Net4,4594,9325,158
Mortgage-Backed Securities1,4051,9451,944
Investments5,2973,7274,405
Deposits15,06718,71816,077
Borrowings000
Equity1,9501,9411,893
Net Interest Income553564520
Fee Income93105112
Overhead580574555
Net Operating Income677569
Net Income567564
Ratio Analysis Profitability%%%
Return on Assets *0.300.410.35
Operating Return on Assets *0.360.410.38
Return on Equity *2.873.903.41
Net Interest Margin *3.763.653.40
Fee Income / Assets *0.500.570.61
Overhead / Assets *3.123.113.02
Efficiency Ratio88.9684.9187.13
Asset Quality%%%
Nonperforming Assets / Assets0.611.211.02
Nonperforming Assets / Equity & Loss Reserves5.1812.619.50
Loss Reserves / Nonperforming Loans55.7719.9218.03
1-4 Fam Mtg + MBS / Assets10.6012.2915.25
Commercial Real Estate Loans / Assets3.160.930.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.424.953.70
Consumer Loans / Assets10.129.1811.08
Capitalization%%%
Equity / Assets11.429.3710.50
Tangible Capital / Tangible Assets11.429.3710.50
Risk-based Capital Ratio28.4225.5328.47
Liquidity%%%
Loans / Deposits29.5926.3532.08
Non-Interest Bearing Deposits / Deposits32.8336.8030.76
Purchased Liabilities18.5816.6618.27

* Calculations are based on the latest four quarters of income and expense.
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