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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 September 30, 2015
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$17,702$20,716$18,021
Loans Receivable, Net4,2644,9325,158
Mortgage-Backed Securities1,5611,9451,944
Investments4,4123,7274,405
Deposits15,67018,71816,077
Borrowings000
Equity1,9611,9411,893
Net Interest Income407564520
Fee Income73105112
Overhead425574555
Net Operating Income527569
Net Income437564
Ratio Analysis Profitability%%%
Return on Assets *0.350.410.35
Operating Return on Assets *0.390.410.38
Return on Equity *3.393.903.41
Net Interest Margin *3.493.653.40
Fee Income / Assets *0.510.570.61
Overhead / Assets *2.983.113.02
Efficiency Ratio88.3684.9187.13
Asset Quality%%%
Nonperforming Assets / Assets1.001.211.02
Nonperforming Assets / Equity & Loss Reserves8.8112.619.50
Loss Reserves / Nonperforming Loans50.0019.9218.03
1-4 Fam Mtg + MBS / Assets11.3212.2915.25
Commercial Real Estate Loans / Assets3.240.930.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.894.953.70
Consumer Loans / Assets9.489.1811.08
Capitalization%%%
Equity / Assets11.089.3710.50
Tangible Capital / Tangible Assets11.089.3710.50
Risk-based Capital Ratio26.3525.5328.47
Liquidity%%%
Loans / Deposits27.2126.3532.08
Non-Interest Bearing Deposits / Deposits33.1836.8030.76
Purchased Liabilities19.4016.6618.27

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