Cabool, MO · Cert 1419
FDIC · 1 branch
Q4 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.37% | 0.26% | 0.26% | 0.08% | -0.09% | -0.03% | -2.49% | -275 bps | |
| Return on Equity | 3.05% | 2.68% | 1.81% | 1.82% | 0.52% | -0.56% | -0.19% | -17.33% | -1,916 bps | |
| Net Interest Margin | 3.23% | 3.26% | 3.31% | 3.45% | 3.48% | 3.62% | 3.42% | 3.80% | +35 bps | |
| Efficiency Ratio | 87.57% | 89.07% | 92.70% | 92.72% | 97.89% | 89.65% | 92.18% | 100.67% | +796 bps | |
| Non-Interest Burden | 2.80% | 2.87% | 3.05% | 3.18% | 3.40% | 3.22% | 3.13% | 3.83% | +65 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.90% | 0.19% | 0.37% | -6.90% | -4.56% | -7.05% | -3.71% | 10.40% | +1,730 bps | |
| Loan Growth (YoY) | -0.83% | -0.40% | 0.44% | -0.20% | 1.83% | 3.97% | 1.28% | 4.56% | +475 bps | |
| Deposit Growth (YoY) | -1.75% | 0.15% | 0.26% | -8.23% | -5.75% | -8.33% | -4.72% | 15.14% | +2,337 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.10% | 0.16% | 0.10% | 0.69% | 2.01% | 1.36% | 0.99% | +89 bps | |
| Allowance / Loans | 1.75% | 1.74% | 1.65% | 1.68% | 1.48% | 1.01% | 1.03% | 4.59% | +290 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | 15.04% | 15.07% | 15.06% | 12.65% | n/a | |
| Total Risk-Based Capital | 23.53% | 23.72% | 23.57% | 24.05% | 22.20% | 22.16% | 22.69% | 19.24% | -481 bps | |
| Equity / Assets | 13.98% | 14.21% | 14.37% | 15.22% | 15.02% | 15.37% | 15.11% | 11.51% | -371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.31% | 66.65% | 68.19% | 72.14% | 71.64% | 75.59% | 72.48% | 65.51% | -663 bps | |
| Liquid Assets / Assets | 8.03% | 7.18% | 6.10% | 4.88% | 5.51% | 4.93% | 6.63% | 4.37% | -51 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |