Hannibal, MO · Cert 30950
FDIC · 2 branches
Q3 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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -3.19% | -3.54% | -2.79% | -2.66% | -2.67% | -6.55% | -6.11% | -3.97% | -131 bps | |
| Return on Equity | -24.59% | -30.20% | -24.17% | -23.47% | -23.81% | -67.05% | -66.39% | -44.59% | -2,112 bps | |
| Net Interest Margin | 3.31% | 3.22% | 3.28% | 3.32% | 3.34% | 2.83% | 3.00% | 2.89% | -44 bps | |
| Efficiency Ratio | 223% | 211% | 184.62% | 180.17% | 180.26% | 281% | 277% | 169.78% | -1,039 bps | |
| Non-Interest Burden | 6.58% | 6.75% | 6.06% | 5.99% | 6.00% | 7.94% | 8.31% | 6.74% | +76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.28% | -11.88% | -13.08% | -8.93% | -10.44% | -8.50% | -11.04% | -8.38% | +55 bps | |
| Loan Growth (YoY) | -22.32% | -15.58% | 3.97% | 3.39% | 3.12% | -12.14% | -17.49% | -17.66% | -2,106 bps | |
| Deposit Growth (YoY) | -10.75% | -9.73% | -11.06% | -7.10% | -8.97% | -5.88% | -7.86% | -5.21% | +189 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 | 1.60% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 0.94% | 0.92% | 0.91% | 0.96% | 1.00% | 1.11% | 1.21% | 1.26% | +30 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 | n/a | 11.24% | 10.79% | 10.38% | 9.88% | 8.97% | 7.71% | 7.70% | -268 bps | |
| Total Risk-Based Capital | 30.48% | 26.17% | 24.75% | 23.77% | 22.61% | 23.42% | 21.21% | 22.96% | -81 bps | |
| Equity / Assets | 11.98% | 11.47% | 11.17% | 10.74% | 10.54% | 8.99% | 8.00% | 7.98% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.60% | 87.82% | 89.39% | 89.00% | 91.31% | 81.97% | 80.06% | 77.30% | -1,170 bps | |
| Liquid Assets / Assets | 15.38% | 10.90% | 11.08% | 11.28% | 9.52% | 9.63% | 10.09% | 0.24% | -1,104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |