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 7.58%, up 538 bps year over year; NIM at 1.54%.
  • Capital: tier 1 leverage ratio of 92.81%, up 674 bps from a year ago.

Return on Assets (YTD, annualized)

7.58%+538 bps YoY

Net Interest Margin (YTD, annualized)

1.54%-1 bps YoY

Efficiency Ratio (YTD, annualized)

83.25%-1,181 bps YoY

Tier 1 Leverage Ratio

92.81%+674 bps YoY

NIM

1.44%Q2 ’151.55%Q2 ’161.54%Q2 ’17+8%-1%

Non-interest income vs. expense

63.49%Q2 ’1569.77%Q2 ’1663.35%Q2 ’17+85%-441%

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets8.42%8.02%2.62%2.20%3.45%4.00%7.03%7.58%+538 bps
Return on Equity9.78%9.33%3.03%2.53%4.00%4.65%7.92%8.45%+592 bps
Net Interest Margin1.45%1.47%1.40%1.55%1.46%1.40%1.45%1.54%-1 bps
Efficiency Ratio82.17%82.98%94.07%95.06%92.18%90.68%84.37%83.25%-1,181 bps
Non-Interest Burden-11.82%-10.92%-2.90%-2.07%-4.17%-5.14%-10.18%-11.20%-913 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