Pine Hill, AL · Cert 16607
FDIC · 1 branch
Q4 2016
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.38% | -0.41% | -0.47% | -0.90% | -1.18% | -80 bps | |
| Return on Equity | -2.90% | -3.16% | -3.58% | -6.66% | -8.49% | -558 bps | |
| Net Interest Margin | 2.26% | 2.28% | 2.35% | 2.25% | 2.09% | -17 bps | |
| Efficiency Ratio | 112.42% | 117.42% | 117.20% | 133.77% | 172.66% | +6,024 bps | |
| Non-Interest Burden | 2.57% | 2.73% | 2.79% | 3.11% | 3.77% | +121 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.69% | -1.83% | 1.43% | -3.73% | -17.08% | -1,238 bps | |
| Loan Growth (YoY) | -7.62% | -8.71% | -0.12% | -5.89% | -17.92% | -1,029 bps | |
| Deposit Growth (YoY) | -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 bps | |
| Net Charge-Offs / Loans | 0.08% | -0.09% | 0.32% | -0.43% | 0.00% | -8 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.82% | 12.87% | 12.75% | 12.61% | 13.54% | +72 bps | |
| Total Risk-Based Capital | 35.51% | 36.54% | 33.97% | 35.66% | 45.25% | +974 bps | |
| Equity / Assets | 12.93% | 13.08% | 13.24% | 13.72% | 14.02% | +109 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 22.84% | 21.51% | 23.01% | 22.78% | 22.90% | +6 bps | |
| Liquid Assets / Assets | 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 |