McCrory, AR · Cert 1523
FDIC · 1 branch
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.62% | 0.68% | 0.68% | 0.49% | 0.21% | 0.64% | 0.93% | 1.28% | +79 bps | |
| Return on Equity | 6.08% | 6.48% | 6.23% | 4.50% | 2.03% | 6.22% | 8.46% | 11.56% | +705 bps | |
| Net Interest Margin | 2.65% | 2.14% | 2.36% | 2.75% | 2.20% | 2.52% | 2.39% | 2.57% | -18 bps | |
| Efficiency Ratio | 85.69% | 73.02% | 70.16% | 58.84% | 103.07% | 66.17% | 70.73% | 64.29% | +544 bps | |
| Non-Interest Burden | 2.24% | 1.47% | 1.58% | 1.51% | 2.27% | 1.58% | 1.62% | 1.56% | +6 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 | 0.06% | 0.57% | 0.01% | 0.75% | 0.19% | 4.48% | 0.87% | 0.00% | -75 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 |