McCrory, AR · Cert 1523
FDIC · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 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.
McCrory, AR · Cert 1523
FDIC · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.68% | 0.68% | 0.61% | 0.51% | 0.64% | 0.77% | 0.94% | +33 bps | |
| Return on Equity | 7.50% | 6.48% | 6.35% | 5.74% | 4.84% | 6.22% | 7.36% | 8.81% | +307 bps | |
| Net Interest Margin | 2.63% | 2.14% | 2.28% | 2.38% | 2.34% | 2.52% | 2.47% | 2.45% | +7 bps | |
| Efficiency Ratio | 69.46% | 73.02% | 71.57% | 66.77% | 75.25% | 66.17% | 68.39% | 66.96% | +19 bps | |
| Non-Interest Burden | 1.75% | 1.47% | 1.55% | 1.50% | 1.69% | 1.58% | 1.61% | 1.56% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.39% | -11.37% | -9.31% | -4.63% | 2.08% | -0.23% | 2.05% | -1.30% | +333 bps | |
| Loan Growth (YoY) | -9.88% | -13.92% | -5.46% | -6.50% | -9.86% | -11.96% | -12.94% | -18.20% | -1,170 bps | |
| Deposit Growth (YoY) | -9.23% | -12.62% | -10.74% | -5.11% | 2.43% | -0.20% | 2.29% | -1.89% | +322 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 12.36% | 7.05% | 7.35% | +735 bps | |
| Net Charge-Offs / Loans | 0.46% | 0.57% | 0.23% | 0.39% | 0.44% | 4.48% | 2.19% | 1.38% | +99 bps | |
| Allowance / Loans | 1.17% | 1.26% | 1.05% | 1.18% | 1.55% | 1.07% | 0.62% | 0.59% | -60 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 0.1x | 0.1x | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.78% | 10.31% | 10.81% | 10.54% | 10.29% | 10.73% | 11.12% | 11.09% | +56 bps | |
| Total Risk-Based Capital | 21.13% | 24.29% | 23.34% | 22.65% | 25.12% | 28.33% | 25.80% | 25.00% | +235 bps | |
| Equity / Assets | 10.02% | 10.97% | 11.00% | 10.68% | 9.72% | 10.98% | 10.90% | 11.28% | +60 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 35.61% | 32.03% | 40.52% | 44.17% | 31.34% | 28.26% | 34.48% | 36.83% | -734 bps | |
| Liquid Assets / Assets | 1.38% | 0.79% | 0.43% | 0.31% | 0.27% | 0.44% | 0.34% | 0.86% | +56 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |