BancorpSouth Net income (Q3, 2017)39.5 M

BancorpSouth revenue breakdown by business segment: 16.0% from General Corporate and Other, 16.0% from Insurance Agencies and 68.0% from Community Banking

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 |
---|---|---|---|---|

## Revenue | 449.5 m | 673.7 m | 742.3 m | 762.2 m |

| 50% | 10% | 3% | |

## Cost of goods sold | 29.7 m | |||

## Gross profit | 732.5 m | |||

| 96% | |||

## Sales and marketing expense | 328.2 m | |||

## Operating expense total | 328.2 m | |||

## EBIT | 131.7 m | 167.4 m | 186.7 m | |

| 29% | 25% | 25% | |

## Pre tax profit | 196.4 m | |||

## Income tax expense | 63.7 m | |||

## Net Income | 94.1 m | 116.8 m | 127.5 m | 132.7 m |

- Source: SEC Filings

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q2, 2017 | Q3, 2017 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Cost of goods sold | 11.7 m | 9.1 m | 8.4 m | 8.3 m | 7.4 m | 7.3 m | 7.1 m | 6.8 m | 7.1 m | 7.8 m | 8.3 m | 9.4 m | |

## Sales and marketing expense | 73.5 m | 78.9 m | 74.7 m | 77.5 m | 81.2 m | 79.8 m | 81.4 m | 82.5 m | 81.8 m | 82.1 m | 81.4 m | 81.6 m | |

## Operating expense total | 129.4 m | 126.7 m | 128 m | 133.7 m | 136.9 m | 128.2 m | 126.5 m | 142.3 m | 128.7 m | 129.5 m | 127.1 m | 127.6 m | |

## Pre tax profit | 32.9 m | 41.3 m | 45 m | 41.2 m | 47.5 m | 58.4 m | 50.6 m | 33.4 m | 51.3 m | 55.9 m | 57.4 m | 57.1 m | 59.1 m |

## Income tax expense | 8 m | 12.9 m | 14.1 m | 12.4 m | 15.2 m | 18.7 m | 16.2 m | 10.8 m | 16.6 m | 18.1 m | 19.3 m | 19.2 m | 19.6 m |

## Net Income | 24.9 m | 28.4 m | 30.9 m | 28.8 m | 32.3 m | 39.7 m | 34.3 m | 22.5 m | 34.7 m | 37.8 m | 38.1 m | 37.9 m | 39.5 m |

- Source: SEC Filings

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 |
---|---|---|---|---|

## Cash | 209 m | 204.2 m | 154.2 m | 184.2 m |

## Accounts Receivable | 42.2 m | 42 m | 40.9 m | 42 m |

## PP&E | 315.3 m | 304.9 m | 308.1 m | 305.6 m |

## Goodwill | 286.8 m | 291.5 m | 291.5 m | 300.8 m |

## Total Assets | 13 b | 13.3 b | 13.8 b | 14.7 b |

## Accounts Payable | 4.8 m | 3.4 m | 3.1 m | 11.7 b |

## Long-term debt | 81.7 m | 78.1 m | 69.8 m | 530 m |

## Total Debt | 530 m | |||

## Total Liabilities | 13 b | |||

## Additional Paid-in Capital | 312.9 m | 324.3 m | 282.9 m | 271.3 m |

## Retained Earnings | 992.1 m | 1.1 b | 1.2 b | 1.3 b |

## Total Equity | 1.5 b | 1.6 b | 1.7 b | 1.7 b |

## Debt to Equity Ratio | 0.3 x | |||

## Debt to Assets Ratio | 0 x | |||

## Financial Leverage | 8.6 x | 8.3 x | 8.3 x | 8.5 x |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q2, 2017 | Q3, 2017 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Cash | 199.5 m | 199.2 m | 201.2 m | 169.2 m | 199.3 m | 183.5 m | 159.9 m | 197.5 m | 186.4 m | 172.8 m | 147.7 m | 178.4 m | |

## PP&E | 314.4 m | 314.4 m | 310.5 m | 307.5 m | 305.3 m | 303.8 m | 304.3 m | 306.8 m | 305.7 m | 305.2 m | 305.3 m | 306.9 m | |

## Goodwill | 275.2 m | 286.8 m | 291.5 m | 291.5 m | 291.5 m | 291.5 m | 291.5 m | 291.5 m | 294.9 m | 294.9 m | 300.8 m | 300.8 m | 300.8 m |

## Total Assets | 12.9 b | 13.1 b | 13 b | 13.1 b | 13.6 b | 13.6 b | 13.8 b | 13.9 b | 14.1 b | 14.6 b | 14.9 b | 14.8 b | 14.8 b |

## Accounts Payable | 10.7 b | 10.8 b | 10.7 b | 10.7 b | 11.3 b | 11.1 b | 11.1 b | 11.5 b | 11.4 b | 11.6 b | 12 b | 11.9 b | |

## Short-term debt | 92 m | 365 m | |||||||||||

## Long-term debt | 83.5 m | 85.8 m | 83.8 m | 81.7 m | 76.1 m | 74 m | 71.9 m | 67.7 m | 365.6 m | 563.5 m | 530 m | 230 m | 30 m |

## Total Debt | 83.5 m | 85.8 m | 83.8 m | 81.7 m | 76.1 m | 74 m | 71.9 m | 67.7 m | 365.6 m | 563.5 m | 622 m | 595 m | 30 m |

## Total Liabilities | 11.4 b | 11.6 b | 11.4 b | 11.5 b | 12 b | 12 b | 12.1 b | 12.2 b | 12.4 b | 12.9 b | 13.2 b | 13.2 b | 13.1 b |

## Additional Paid-in Capital | 312.8 m | 321 m | 322 m | 322.5 m | 331 m | 337.3 m | 279 m | 283.8 m | 287 m | 279 m | 226.2 m | 191.9 m | |

## Retained Earnings | 969.2 m | 1 b | 1 b | 1.1 b | 1.1 b | 1.1 b | 1.2 b | 1.2 b | 1.2 b | 1.2 b | 1.3 b | 1.3 b | 1.3 b |

## Total Equity | 1.5 b | 1.6 b | 1.6 b | 1.6 b | 1.6 b | 1.7 b | 1.6 b | 1.7 b | 1.7 b | 1.7 b | 1.7 b | 1.7 b | 1.7 b |

## Debt to Equity Ratio | 0 x | ||||||||||||

## Debt to Assets Ratio | 0 x | ||||||||||||

## Financial Leverage | 8.7 x | 8.5 x | 8.2 x | 8.1 x | 8.3 x | 8.1 x | 8.4 x | 8.3 x | 8.3 x | 8.5 x | 8.7 x | 8.8 x | 8.7 x |

USD | FY, 2013 | FY, 2014 | FY, 2015 | FY, 2016 |
---|---|---|---|---|

## Net Income | 94.1 m | 116.8 m | 127.5 m | 132.7 m |

## Depreciation and Amortization | 26.5 m | 27.3 m | 26.3 m | 25.6 m |

## Cash From Operating Activities | 203.7 m | 142.1 m | 133.3 m | 143.5 m |

## Cash From Investing Activities | (480 m) | (459.4 m) | (627 m) | (941.2 m) |

## Long-term Borrowings | (1.8 m) | (8.1 m) | (8.4 m) | (39.8 m) |

## Cash From Financing Activities | (398.9 m) | 146.1 m | 334.4 m | 822.7 m |

USD | Q3, 2013 | Q1, 2014 | Q2, 2014 | Q3, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | Q1, 2017 | Q2, 2017 | Q3, 2017 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|

## Net Income | 66.4 m | 28.4 m | 59.3 m | 88.1 m | 32.3 m | 39.7 m | 34.3 m | 22.5 m | 34.7 m | 37.8 m | 38.1 m | 37.9 m | 39.5 m |

## Depreciation and Amortization | 19.9 m | 6.6 m | 13.6 m | 20.3 m | 6.7 m | 13.4 m | 19.9 m | 6.3 m | 12.6 m | 19 m | 6.5 m | 13 m | |

## Cash From Operating Activities | 159.9 m | 53.9 m | 94.6 m | 109.9 m | (6.3 m) | 35.3 m | 108.3 m | 38.7 m | 40.4 m | 93.8 m | 73.6 m | 77.9 m | 174.9 m |

## Cash From Investing Activities | (351.4 m) | (63.7 m) | (240.8 m) | (321.5 m) | (54.8 m) | (397.5 m) | (524.7 m) | 3.2 m | (224 m) | (679.1 m) | (5.1 m) | (115.3 m) | (106.2 m) |

## Long-term Borrowings | (2.1 m) | (4.2 m) | (6.3 m) | (92 m) | |||||||||

## Cash From Financing Activities | (451.3 m) | 71.6 m | (136.2 m) | (77.2 m) | 263.7 m | 222.9 m | 332.2 m | 106.6 m | 258.5 m | 712 m | 110 m | 42.5 m | (71.6 m) |

## Interest Paid | 20.6 m | 8.1 m | 17.4 m | 27.4 m |

USD | Y, 2017 |
---|---|

## Financial Leverage | 8.7 x |

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BancorpSouth's Total Loans was reported to be $11b in Q2, 2017.

FY, 2014 | Q1, 2015 | Q2, 2015 | Q3, 2015 | FY, 2015 | Q1, 2016 | Q2, 2016 | Q3, 2016 | FY, 2016 | Q1, 2017 | Q2, 2017 | |
---|---|---|---|---|---|---|---|---|---|---|---|

## Non-accrual Loans | $58.05 m | $54.42 m | $67.77 m | $70.24 m | $83.03 m | $81.93 m | $68.64 m | $70.73 m | $71.81 m | $74.44 m | $63.59 m |

## Non-performing Loans | $71.74 m | $61.47 m | $79.44 m | $90.25 m | $94.92 m | $94.25 m | $80.20 m | $90.92 m | $101.84 m | $81.56 m | $71.68 m |

## Total Loans | $9.75 b | $9.76 b | $10.04 b | $10.25 b | $10.40 b | $10.48 b | $10.60 b | $10.69 b | $10.84 b | $10.82 b | $11.04 b |

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