Carrollton, MO · Cert 31713
FDIC · 1 branch
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | -0.06% | 0.38% | 0.82% | 0.16% | 0.10% | -0.82% | 0.34% | -49 bps | |
| Return on Equity | 3.65% | -0.36% | 2.30% | 4.91% | 0.95% | 0.59% | -4.77% | 1.91% | -299 bps | |
| Net Interest Margin | 1.69% | 1.99% | 1.88% | 2.53% | 1.62% | 1.79% | 1.71% | 1.68% | -85 bps | |
| Efficiency Ratio | 68.04% | 75.79% | 69.47% | 59.52% | 95.00% | 84.15% | 73.26% | 83.91% | +2,438 bps | |
| Non-Interest Burden | 1.14% | 1.52% | 1.31% | 1.54% | 1.50% | 1.51% | 1.24% | 1.41% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.82% | -8.73% | -8.00% | -6.95% | -5.31% | -2.14% | -4.43% | -4.20% | +275 bps | |
| Loan Growth (YoY) | -3.93% | -5.65% | -1.58% | -8.39% | -10.37% | -13.38% | -10.50% | -8.33% | +6 bps | |
| Deposit Growth (YoY) | -8.55% | -10.60% | -9.80% | -8.69% | -6.68% | -3.03% | -5.47% | -4.99% | +370 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 2.45% | 2.50% | +250 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.91% | 0.00% | 0.00% | 0.00% | 0.00% | -91 bps | |
| Allowance / Loans | 1.93% | 2.06% | 2.15% | 2.09% | 2.10% | 2.18% | 2.83% | 2.81% | +72 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | 1.2x | 1.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.52% | 17.15% | 16.44% | 16.86% | 17.07% | 18.42% | 17.00% | 16.15% | -71 bps | |
| Total Risk-Based Capital | 49.48% | 50.92% | 51.87% | 53.57% | 55.65% | 60.08% | 59.88% | 61.88% | +831 bps | |
| Equity / Assets | 15.84% | 16.35% | 16.56% | 16.96% | 17.06% | 17.08% | 17.40% | 17.64% | +69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.90% | 55.48% | 55.44% | 53.54% | 51.77% | 49.55% | 52.49% | 51.66% | -188 bps | |
| Liquid Assets / Assets | 53.36% | 52.32% | 52.79% | 54.99% | 56.23% | 57.48% | 56.28% | 56.60% | +160 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |