SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BENOIT
202 MAIN STREET
BENOIT, Mississippi 38725

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 659640




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$19,290$18,021$18,769
Loans Receivable, Net5,3955,1585,273
Mortgage-Backed Securities2,6241,9443,404
Investments4,3914,4053,835
Deposits17,35116,07716,786
Borrowings000
Equity1,8911,8931,937
Net Interest Income140520508
Fee Income21112108
Overhead145555575
Net Operating Income06956
Net Income06456
Ratio Analysis Profitability%%%
Return on Assets *0.290.350.30
Operating Return on Assets *0.320.380.30
Return on Equity *2.813.412.90
Net Interest Margin *3.513.403.23
Fee Income / Assets *0.590.610.57
Overhead / Assets *3.093.023.04
Efficiency Ratio89.5187.1390.84
Asset Quality%%%
Nonperforming Assets / Assets0.451.021.39
Nonperforming Assets / Equity & Loss Reserves4.459.5013.14
Loss Reserves / Nonperforming Loans47.6718.0316.15
1-4 Fam Mtg + MBS / Assets17.2315.2523.06
Commercial Real Estate Loans / Assets0.200.200.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets3.193.704.00
Consumer Loans / Assets9.5011.0811.63
Capitalization%%%
Equity / Assets9.8010.5010.32
Tangible Capital / Tangible Assets9.8010.5010.32
Risk-based Capital Ratio27.0028.4727.10
Liquidity%%%
Loans / Deposits31.0932.0831.41
Non-Interest Bearing Deposits / Deposits24.9330.7630.31
Purchased Liabilities21.6018.2717.75

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

Connect with us