SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BENOIT
202 MAIN STREET
BENOIT, Mississippi 38725

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$18,063$18,021$18,769
Loans Receivable, Net4,6585,1585,273
Mortgage-Backed Securities2,5421,9443,404
Investments3,7314,4053,835
Deposits16,05116,07716,786
Borrowings000
Equity1,9491,8931,937
Net Interest Income425520508
Fee Income81112108
Overhead429555575
Net Operating Income526956
Net Income526456
Ratio Analysis Profitability%%%
Return on Assets *0.290.350.30
Operating Return on Assets *0.300.380.30
Return on Equity *2.843.412.90
Net Interest Margin *3.753.403.23
Fee Income / Assets *0.560.610.57
Overhead / Assets *3.203.023.04
Efficiency Ratio84.4587.1390.84
Asset Quality%%%
Nonperforming Assets / Assets0.661.021.39
Nonperforming Assets / Equity & Loss Reserves6.029.5013.14
Loss Reserves / Nonperforming Loans38.3318.0316.15
1-4 Fam Mtg + MBS / Assets17.5615.2523.06
Commercial Real Estate Loans / Assets1.070.200.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.243.704.00
Consumer Loans / Assets10.7811.0811.63
Capitalization%%%
Equity / Assets10.7910.5010.32
Tangible Capital / Tangible Assets10.7910.5010.32
Risk-based Capital Ratio30.9028.4727.10
Liquidity%%%
Loans / Deposits29.0232.0831.41
Non-Interest Bearing Deposits / Deposits21.0630.7630.31
Purchased Liabilities21.6018.2717.75

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