Chatom, AL · Cert 14720
FDIC · 10 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Chatom, AL · Cert 14720
FDIC · 10 branches
Q4 2017
Market Position · Mobile, AL · 2017 SOD (annual) · 2.4% share · #9 of 22 inst. · $0.2B of $7.2B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.81% | 0.88% | 1.02% | 1.04% | 0.94% | 1.00% | 1.08% | 1.06% | +3 bps | |
| Return on Equity | 7.79% | 8.45% | 9.84% | 10.24% | 10.06% | 10.61% | 11.27% | 11.15% | +91 bps | |
| Net Interest Margin | 3.66% | 3.63% | 3.57% | 3.56% | 3.53% | 3.50% | 3.57% | 3.58% | +2 bps | |
| Efficiency Ratio | 77.08% | 75.89% | 75.56% | 74.97% | 73.88% | 72.83% | 71.52% | 71.64% | -333 bps | |
| Non-Interest Burden | 2.65% | 2.57% | 2.50% | 2.46% | 2.40% | 2.33% | 2.31% | 2.33% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.15% | 7.87% | 8.78% | 9.72% | 11.93% | 9.34% | 6.11% | 6.38% | -334 bps | |
| Loan Growth (YoY) | 8.62% | 13.96% | 13.49% | 13.13% | 11.51% | 4.84% | 3.75% | 1.05% | -1,208 bps | |
| Deposit Growth (YoY) | 8.28% | 9.78% | 9.89% | 13.10% | 13.71% | 12.21% | 9.81% | 8.04% | -506 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 1.83% | 1.76% | 1.58% | 1.79% | +179 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.03% | 0.05% | 0.06% | 0.10% | 0.04% | 0.01% | 0.07% | 0 bps | |
| Allowance / Loans | 1.22% | 1.21% | 1.15% | 1.11% | 1.12% | 1.18% | 1.21% | 1.22% | +11 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.6x | 0.7x | 0.8x | 0.7x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.21% | 10.17% | 9.96% | 10.08% | 9.75% | 9.70% | 9.80% | 9.87% | -21 bps | |
| Total Risk-Based Capital | 15.17% | 14.71% | 14.27% | 14.16% | 13.91% | 14.57% | 14.53% | 14.68% | +52 bps | |
| Equity / Assets | 10.25% | 10.39% | 10.22% | 9.53% | 9.21% | 9.65% | 9.80% | 9.58% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.79% | 84.65% | 87.48% | 84.86% | 80.21% | 79.09% | 82.66% | 79.37% | -549 bps | |
| Liquid Assets / Assets | 0.35% | 0.21% | 0.17% | 0.18% | 0.49% | 0.47% | 0.40% | 0.48% | +30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |