PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Investrust National Association

Oklahoma City, OK · Cert 34988

FDIC

Q2 2017

$4.4MAssets
n/aLoans
n/aDeposits
$4.0MEquity

Executive Summary

  • Earnings: ROA of 8.29%, up 651 bps year over year; NIM at 1.59%.
  • Capital: tier 1 leverage ratio of 92.81%, up 674 bps from a year ago.

Return on Assets (quarter, annualized)

8.29%+651 bps YoY

Net Interest Margin (quarter, annualized)

1.59%-11 bps YoY

Efficiency Ratio (quarter, annualized)

82.12%-1,393 bps YoY

Tier 1 Leverage Ratio

92.81%+674 bps YoY

NIM

1.79%Q2 ’151.69%Q2 ’161.59%Q2 ’17-5%-6%

Non-interest income vs. expense

68.75%Q2 ’1570.85%Q2 ’1662.18%Q2 ’17+88%-877%

Discrete quarter, annualized.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets6.91%6.77%2.62%1.78%5.93%5.57%7.03%8.29%+651 bps
Return on Equity8.17%8.02%3.03%2.03%6.88%6.58%7.92%8.98%+694 bps
Net Interest Margin1.61%1.66%1.40%1.69%1.37%1.33%1.45%1.59%-11 bps
Efficiency Ratio84.51%85.34%94.07%96.05%86.62%86.20%84.37%82.12%-1,393 bps
Non-Interest Burden-9.83%-9.20%-2.90%-1.22%-8.48%-8.42%-10.18%-11.95%-1,073 bps
Growth
Asset Growth (YoY)19.16%12.12%7.58%4.35%3.30%6.36%-1.18%2.31%-205 bps
Loan Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Deposit Growth (YoY)n/an/an/an/an/an/an/an/an/an/a
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio83.93%83.56%85.14%86.07%84.95%84.35%88.30%92.81%+674 bps
Total Risk-Based Capital103.50%113.10%116.73%115.86%100.19%98.93%111.51%108.49%-738 bps
Equity / Assets83.30%85.50%87.73%87.34%85.10%84.36%93.52%91.36%+402 bps
Liquidity & Funding
Loans / Depositsn/an/an/an/an/an/an/an/an/an/a
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a