Jackson, AL · Cert 18637
FDIC · 6 branches
Q1 2019
Market Position · Mobile, AL · 2018 SOD (annual) · 0.3% share · #20 of 21 inst. · $0.0B of $7.1B
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.80% | 0.82% | 0.82% | 1.13% | 1.09% | 0.95% | -2.17% | -299 bps | |
| Return on Equity | 7.13% | 7.13% | 7.28% | 7.33% | 10.06% | 9.64% | 8.36% | -21.50% | -2,884 bps | |
| Net Interest Margin | 3.47% | 3.48% | 3.51% | 3.63% | 3.66% | 3.71% | 3.76% | 3.72% | +9 bps | |
| Efficiency Ratio | 79.21% | 78.74% | 79.25% | 79.43% | 73.24% | 74.12% | 77.30% | 141.42% | +6,199 bps | |
| Non-Interest Burden | 2.60% | 2.58% | 2.64% | 2.74% | 2.46% | 2.54% | 2.73% | 5.55% | +282 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.85% | 3.62% | 3.84% | 2.33% | 2.37% | 2.85% | 1.18% | 3.60% | +127 bps | |
| Loan Growth (YoY) | 8.70% | 8.93% | 9.33% | 7.46% | 9.05% | 8.56% | 5.78% | 6.04% | -141 bps | |
| Deposit Growth (YoY) | 0.79% | 4.05% | 2.53% | 2.20% | 2.80% | 2.97% | 1.87% | 6.40% | +420 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.35% | 2.27% | 2.17% | 2.03% | 1.73% | 1.62% | 1.71% | 1.43% | -60 bps | |
| Net Charge-Offs / Loans | -0.11% | -0.06% | 0.00% | 0.07% | -0.08% | 0.01% | 0.03% | 0.17% | +9 bps | |
| Allowance / Loans | 1.16% | 1.12% | 1.06% | 1.04% | 1.08% | 1.01% | 0.99% | 1.10% | +6 bps | |
| Allowance Coverage of NPLs | 0.5x | 0.5x | 0.5x | 0.5x | 0.6x | 0.6x | 0.6x | 0.8x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.53% | 11.55% | 11.69% | 11.70% | 11.97% | 12.16% | 12.27% | 8.89% | -281 bps | |
| Total Risk-Based Capital | 17.29% | 17.12% | 16.84% | 16.92% | 17.18% | 17.04% | 17.02% | 12.83% | -409 bps | |
| Equity / Assets | 11.44% | 11.42% | 11.33% | 11.07% | 11.38% | 11.33% | 11.76% | 8.45% | -262 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.47% | 73.81% | 76.43% | 75.13% | 76.88% | 77.81% | 79.37% | 74.88% | -25 bps | |
| Liquid Assets / Assets | 3.22% | 5.09% | 2.55% | 4.04% | 3.87% | 4.42% | 2.79% | 5.73% | +169 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |