Safe & Sound » Bank Ratings » BANK OF BENOIT


SAFE & SOUND® STAR RATINGS

BANK OF BENOIT

202 MAIN STREET
BENOIT, Mississippi 38725

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$16,701$17,068$20,716
Loans Receivable, Net3,6884,4594,932
Mortgage-Backed Securities1,4751,4051,945
Investments5,0075,2973,727
Deposits14,72115,06718,718
Borrowings000
Equity1,9271,9501,941
Net Interest Income136553564
Fee Income2293105
Overhead145580574
Net Operating Income126775
Net Income105675
Ratio Analysis Profitability%%%
Return on Assets *0.300.300.41
Operating Return on Assets *0.380.360.41
Return on Equity *2.722.873.90
Net Interest Margin *4.083.763.65
Fee Income / Assets *0.540.500.57
Overhead / Assets *3.323.123.11
Efficiency Ratio91.7788.9684.91
Asset Quality%%%
Nonperforming Assets / Assets0.980.611.21
Nonperforming Assets / Equity & Loss Reserves8.275.1812.61
Loss Reserves / Nonperforming Loans33.5455.7719.92
1-4 Fam Mtg + MBS / Assets11.1210.6012.29
Commercial Real Estate Loans / Assets1.663.160.93
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets2.564.424.95
Consumer Loans / Assets10.0210.129.18
Capitalization%%%
Equity / Assets11.5411.429.37
Tangible Capital / Tangible Assets11.5411.429.37
Risk-based Capital Ratio29.4828.4225.53
Liquidity%%%
Loans / Deposits25.0529.5926.35
Non-Interest Bearing Deposits / Deposits31.3832.8336.80
Purchased Liabilities18.9118.5816.66

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

Connect with us