Malta, MT · Cert 20646
FDIC · 1 branch
Q3 2019
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.71% | 0.92% | 0.99% | 0.94% | 0.82% | 0.95% | 0.23% | -76 bps | |
| Return on Equity | 6.79% | 7.19% | 8.97% | 9.46% | 8.95% | 7.34% | 8.37% | 2.27% | -719 bps | |
| Net Interest Margin | 3.93% | 3.81% | 4.02% | 4.21% | 4.17% | 4.17% | 4.18% | 4.14% | -7 bps | |
| Efficiency Ratio | 74.27% | 73.51% | 70.47% | 69.91% | 71.39% | 74.88% | 69.38% | 83.21% | +1,330 bps | |
| Non-Interest Burden | 2.75% | 2.65% | 2.64% | 2.74% | 2.78% | 2.98% | 2.51% | 3.23% | +49 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.93% | 2.21% | -1.34% | -0.91% | -4.22% | -1.42% | 5.73% | 20.67% | +2,158 bps | |
| Loan Growth (YoY) | -7.50% | -4.78% | -9.13% | -5.69% | 1.28% | -2.68% | 3.16% | 1.48% | +718 bps | |
| Deposit Growth (YoY) | 6.26% | 2.34% | -1.78% | -1.31% | -5.46% | -2.89% | 5.05% | 26.71% | +2,802 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 1.68% | 1.02% | 0.70% | 0.90% | 0.96% | 0.41% | 0.39% | -31 bps | |
| Net Charge-Offs / Loans | 0.17% | -0.09% | -0.10% | -0.03% | 0.03% | 0.00% | 0.24% | 0.15% | +18 bps | |
| Allowance / Loans | 1.18% | 1.17% | 1.21% | 1.18% | 1.24% | 1.24% | 1.37% | 1.83% | +65 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.7x | 1.2x | 1.7x | 1.4x | 1.3x | 3.4x | 4.6x | +3.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.11% | 10.32% | 10.88% | 11.44% | 11.53% | 11.61% | 11.78% | 7.87% | -358 bps | |
| Total Risk-Based Capital | 23.14% | 23.43% | 25.29% | 24.32% | 27.13% | 27.95% | 25.95% | 18.90% | -541 bps | |
| Equity / Assets | 9.73% | 10.11% | 10.81% | 11.24% | 10.92% | 11.50% | 11.60% | 7.13% | -411 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 51.93% | 57.53% | 60.99% | 64.37% | 55.64% | 57.65% | 59.90% | 51.56% | -1,281 bps | |
| Liquid Assets / Assets | 30.45% | 23.09% | 15.77% | 11.82% | 22.05% | 21.34% | 21.32% | 30.88% | +1,906 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |