Hamburg, AR · Cert 15810
FDIC · 1 branch
Q1 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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.26% | -0.15% | 0.02%1 | -0.11% | -0.23% | -0.21% | -0.20% | -22 bps | |
| Return on Equity | -0.85% | -2.39% | -1.42% | 0.20% | -1.10% | -2.30% | -2.08% | -1.87% | -207 bps | |
| Net Interest Margin | 2.09% | 2.32% | 2.30% | 2.32% | 2.17% | 2.15% | 2.08% | 2.14% | -19 bps | |
| Efficiency Ratio | 121.44% | 106.44% | 105.29% | 100.74% | 106.08% | 114.40% | 114.48% | 109.05% | +831 bps | |
| Non-Interest Burden | 2.60% | 2.48% | 2.44% | 2.34% | 2.31% | 2.49% | 2.42% | 2.35% | +1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.87% | 0.43% | -1.21% | -2.03% | -3.00% | -1.20% | -0.85% | 0.17% | +221 bps | |
| Loan Growth (YoY) | -1.32% | -1.63% | -1.92% | -1.55% | -8.61% | -5.36% | -2.16% | -6.07% | -452 bps | |
| Deposit Growth (YoY) | 1.18% | 1.12% | 0.29% | -0.45% | -2.64% | -1.40% | -2.13% | -0.78% | -33 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.39% | +39 bps | |
| Net Charge-Offs / Loans | 0.21% | 0.14% | 0.11% | 0.00% | -0.02% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 1.87% | 1.93% | 1.92% | 1.93% | 2.06% | 2.04% | 1.97% | 2.07% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 5.2x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.00% | 11.28% | 11.22% | 11.36% | 11.05% | 11.44% | 11.29% | 11.76% | +39 bps | |
| Total Risk-Based Capital | 20.66% | 20.93% | 24.16% | 24.83% | 27.58% | 27.93% | 25.35% | 23.73% | -110 bps | |
| Equity / Assets | 10.73% | 10.56% | 9.52% | 9.61% | 10.40% | 10.74% | 10.70% | 10.46% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 27.58% | 27.64% | 26.89% | 26.66% | 25.89% | 26.54% | 26.88% | 25.24% | -142 bps | |
| Liquid Assets / Assets | 22.57% | 22.86% | 26.49% | 33.01% | 37.26% | 40.14% | 39.79% | 37.06% | +405 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |