Christiansted, VI · Cert 33990
FDIC · 2 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Christiansted, VI · Cert 33990
FDIC · 2 branches
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.21% | 0.18% | 0.29% | 0.77% | 0.76% | 0.60% | 0.64% | +34 bps | |
| Return on Equity | 3.91% | 1.88% | 1.57% | 2.61% | 7.31% | 7.31% | 5.69% | 6.07% | +346 bps | |
| Net Interest Margin | 2.92% | 3.06% | 3.10% | 3.09% | 2.83% | 2.50% | 2.66% | 2.54% | -55 bps | |
| Efficiency Ratio | 86.39% | 90.07% | 92.91% | 90.70% | 82.55% | 82.80% | 85.22% | 82.57% | -812 bps | |
| Non-Interest Burden | 2.47% | 2.72% | 2.85% | 2.77% | 2.25% | 1.98% | 2.19% | 2.01% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.74% | 2.45% | -6.82% | 0.17% | 8.10% | 18.77% | 8.06% | 13.11% | +1,295 bps | |
| Loan Growth (YoY) | 3.13% | -3.36% | -5.56% | -8.87% | -7.44% | -6.63% | -2.85% | 2.37% | +1,124 bps | |
| Deposit Growth (YoY) | 5.83% | 0.88% | -9.47% | 0.20% | 8.95% | 22.13% | 9.89% | 14.51% | +1,431 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 | 0.00% | 0.44% | 0.44% | 0.41% | -0.01% | -0.01% | -0.01% | -0.01% | -42 bps | |
| Allowance / Loans | 1.55% | 1.59% | 1.49% | 1.49% | 1.50% | 1.58% | 1.53% | 1.46% | -3 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 | 9.23% | 9.77% | 9.99% | 10.15% | 9.63% | 9.06% | 10.03% | 9.97% | -18 bps | |
| Total Risk-Based Capital | 26.79% | 27.87% | 27.31% | 28.10% | 29.83% | 33.08% | 32.68% | 33.12% | +502 bps | |
| Equity / Assets | 10.76% | 11.51% | 11.75% | 11.01% | 10.07% | 10.31% | 11.09% | 10.01% | -101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 39.38% | 41.99% | 41.39% | 39.66% | 33.46% | 32.10% | 36.59% | 35.46% | -421 bps | |
| Liquid Assets / Assets | 9.06% | 1.88% | 0.75% | 6.17% | 24.68% | 35.75% | 29.13% | 36.45% | +3,028 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |