Christiansted, VI · Cert 33990
FDIC · 2 branches
Q4 2016
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.02% | 0.11%1 | 0.65% | 0.77% | 0.74% | 0.26% | 0.75% | +10 bps | |
| Return on Equity | 3.91% | -0.17% | 0.96% | 5.72% | 7.31% | 7.27% | 2.46% | 7.13% | +141 bps | |
| Net Interest Margin | 2.92% | 3.03% | 3.04% | 3.09% | 2.83% | 2.39% | 2.47% | 2.39% | -70 bps | |
| Efficiency Ratio | 86.39% | 93.79% | 99.05% | 84.15% | 82.55% | 83.06% | 90.67% | 74.27% | -988 bps | |
| Non-Interest Burden | 2.47% | 2.81% | 3.01% | 2.53% | 2.25% | 1.89% | 2.20% | 1.63% | -90 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% | 0.88% | 0.44% | 0.32% | -0.01% | -0.01% | 0.00% | -0.01% | -33 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 |