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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 March 31, 2015
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$19,480$20,716$18,021
Loans Receivable, Net4,5994,9325,158
Mortgage-Backed Securities1,8491,9451,944
Investments3,5603,7274,405
Deposits17,49518,71816,077
Borrowings000
Equity1,9401,9411,893
Net Interest Income136564520
Fee Income20105112
Overhead142574555
Net Operating Income137569
Net Income137564
Ratio Analysis Profitability%%%
Return on Assets *0.470.410.35
Operating Return on Assets *0.470.410.38
Return on Equity *4.543.903.41
Net Interest Margin *3.573.653.40
Fee Income / Assets *0.550.570.61
Overhead / Assets *3.033.113.02
Efficiency Ratio90.4584.9187.13
Asset Quality%%%
Nonperforming Assets / Assets0.821.211.02
Nonperforming Assets / Equity & Loss Reserves7.9912.619.50
Loss Reserves / Nonperforming Loans31.4519.9218.03
1-4 Fam Mtg + MBS / Assets12.5112.2915.25
Commercial Real Estate Loans / Assets0.280.930.20
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets5.914.953.70
Consumer Loans / Assets8.679.1811.08
Capitalization%%%
Equity / Assets9.969.3710.50
Tangible Capital / Tangible Assets9.969.3710.50
Risk-based Capital Ratio27.1425.5328.47
Liquidity%%%
Loans / Deposits26.2926.3532.08
Non-Interest Bearing Deposits / Deposits31.8636.8030.76
Purchased Liabilities18.1216.6618.27

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