SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BENOIT
202 MAIN STREET
BENOIT, Mississippi 38725

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




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$16,789$18,021$18,769
Loans Receivable, Net4,4915,1585,273
Mortgage-Backed Securities2,5301,9443,404
Investments4,0394,4053,835
Deposits14,80516,07716,786
Borrowings000
Equity1,9211,8931,937
Net Interest Income277520508
Fee Income49112108
Overhead285555575
Net Operating Income246956
Net Income246456
Ratio Analysis Profitability%%%
Return on Assets *0.350.350.30
Operating Return on Assets *0.360.380.30
Return on Equity *3.313.412.90
Net Interest Margin *3.613.403.23
Fee Income / Assets *0.580.610.57
Overhead / Assets *3.093.023.04
Efficiency Ratio87.1687.1390.84
Asset Quality%%%
Nonperforming Assets / Assets0.901.021.39
Nonperforming Assets / Equity & Loss Reserves7.689.5013.14
Loss Reserves / Nonperforming Loans29.8018.0316.15
1-4 Fam Mtg + MBS / Assets18.9815.2523.06
Commercial Real Estate Loans / Assets1.980.200.23
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets4.283.704.00
Consumer Loans / Assets11.0611.0811.63
Capitalization%%%
Equity / Assets11.4410.5010.32
Tangible Capital / Tangible Assets11.4410.5010.32
Risk-based Capital Ratio32.8228.4727.10
Liquidity%%%
Loans / Deposits30.3332.0831.41
Non-Interest Bearing Deposits / Deposits23.9330.7630.31
Purchased Liabilities23.1418.2717.75

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

Connect with us