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SAFE & SOUND® STAR RATINGS

BANK OF BENOIT

202 MAIN STREET
BENOIT, Mississippi 38725

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2014
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$20,716$18,021$18,769
Loans Receivable, Net4,9325,1585,273
Mortgage-Backed Securities1,9451,9443,404
Investments3,7274,4053,835
Deposits18,71816,07716,786
Borrowings000
Equity1,9411,8931,937
Net Interest Income564520508
Fee Income105112108
Overhead574555575
Net Operating Income756956
Net Income756456
Ratio Analysis Profitability%%%
Return on Assets *0.410.350.30
Operating Return on Assets *0.410.380.30
Return on Equity *3.903.412.90
Net Interest Margin *3.653.403.23
Fee Income / Assets *0.570.610.57
Overhead / Assets *3.113.023.04
Efficiency Ratio84.9187.1390.84
Asset Quality%%%
Nonperforming Assets / Assets1.211.021.39
Nonperforming Assets / Equity & Loss Reserves12.619.5013.14
Loss Reserves / Nonperforming Loans19.9218.0316.15
1-4 Fam Mtg + MBS / Assets12.2915.2523.06
Commercial Real Estate Loans / Assets0.930.200.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.953.704.00
Consumer Loans / Assets9.1811.0811.63
Capitalization%%%
Equity / Assets9.3710.5010.32
Tangible Capital / Tangible Assets9.3710.5010.32
Risk-based Capital Ratio25.5328.4727.10
Liquidity%%%
Loans / Deposits26.3532.0831.41
Non-Interest Bearing Deposits / Deposits36.8030.7630.31
Purchased Liabilities16.6618.2717.75

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