Pine Hill, AL · Cert 16607
FDIC · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Pine Hill, AL · Cert 16607
FDIC · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.38% | -0.18% | -0.22% | -0.26% | -0.41% | -0.44% | -0.59% | -0.73% | -48 bps | |
| Return on Equity | -2.99% | -1.45% | -1.68% | -1.99% | -3.16% | -3.37% | -4.49% | -5.50% | -351 bps | |
| Net Interest Margin | 2.33% | 2.34% | 2.31% | 2.31% | 2.28% | 2.32% | 2.30% | 2.42% | +11 bps | |
| Efficiency Ratio | 116.17% | 111.66% | 111.57% | 111.77% | 117.42% | 117.31% | 122.75% | 133.50% | +2,173 bps | |
| Non-Interest Burden | 2.75% | 2.65% | 2.61% | 2.61% | 2.73% | 2.76% | 2.89% | 3.32% | +71 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.08% | -4.44% | -5.11% | -4.69% | -1.83% | 1.43% | -3.73% | -17.08% | -1,238 bps | |
| Loan Growth (YoY) | -7.59% | -11.11% | -12.80% | -7.62% | -8.71% | -0.12% | -5.89% | -17.92% | -1,029 bps | |
| Deposit Growth (YoY) | -3.61% | -4.97% | -5.94% | -5.25% | -1.87% | 0.50% | -4.37% | -18.14% | -1,289 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -3.11% | -1.62% | -1.14% | -0.85% | -0.09% | 0.12% | -0.06% | -0.05% | +80 bps | |
| Allowance / Loans | 1.42% | 1.48% | 1.55% | 1.60% | 1.73% | 1.56% | 1.80% | 2.15% | +55 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.65% | 12.93% | 12.83% | 12.82% | 12.87% | 12.75% | 12.61% | 13.54% | +72 bps | |
| Total Risk-Based Capital | 34.17% | 34.30% | 35.47% | 35.51% | 36.54% | 33.97% | 35.66% | 45.25% | +974 bps | |
| Equity / Assets | 13.04% | 12.72% | 13.15% | 12.93% | 13.08% | 13.24% | 13.72% | 14.02% | +109 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.13% | 23.15% | 23.15% | 22.84% | 21.51% | 23.01% | 22.78% | 22.90% | +6 bps | |
| Liquid Assets / Assets | 4.29% | 4.38% | 8.49% | 8.52% | 9.45% | 9.35% | 9.89% | 11.57% | +305 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |