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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.11% | 0.94% | 1.05% | 1.21% | 1.04% | -7 bps | |
| Return on Equity | 11.25% | 10.06% | 11.17% | 12.44% | 10.74% | -51 bps | |
| Net Interest Margin | 3.61% | 3.53% | 3.56% | 3.65% | 3.65% | +4 bps | |
| Efficiency Ratio | 73.24% | 73.88% | 71.82% | 68.99% | 71.98% | -126 bps | |
| Non-Interest Burden | 2.42% | 2.40% | 2.31% | 2.25% | 2.42% | -1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.72% | 11.93% | 9.34% | 6.11% | 6.38% | -334 bps | |
| Loan Growth (YoY) | 13.13% | 11.51% | 4.84% | 3.75% | 1.05% | -1,208 bps | |
| Deposit Growth (YoY) | 13.10% | 13.71% | 12.21% | 9.81% | 8.04% | -506 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 1.83% | 1.76% | 1.58% | 1.79% | +179 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.10% | -0.01% | -0.05% | 0.23% | +14 bps | |
| Allowance / Loans | 1.11% | 1.12% | 1.18% | 1.21% | 1.22% | +11 bps | |
| Allowance Coverage of NPLs | n/a | 0.6x | 0.7x | 0.8x | 0.7x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.08% | 9.75% | 9.70% | 9.80% | 9.87% | -21 bps | |
| Total Risk-Based Capital | 14.16% | 13.91% | 14.57% | 14.53% | 14.68% | +52 bps | |
| Equity / Assets | 9.53% | 9.21% | 9.65% | 9.80% | 9.58% | +5 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.86% | 80.21% | 79.09% | 82.66% | 79.37% | -549 bps | |
| Liquid Assets / Assets | 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 |