Wedowee, AL · Cert 5608
FDIC · 3 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Wedowee, AL · Cert 5608
FDIC · 3 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.67% | 0.75% | 0.78% | 0.78% | 0.81% | 0.99% | 0.91% | +13 bps | |
| Return on Equity | 5.06% | 6.02% | 6.54% | 6.80% | 6.89% | 7.34% | 8.77% | 7.98% | +118 bps | |
| Net Interest Margin | 3.10% | 3.24% | 3.28% | 3.27% | 3.27% | 3.48% | 3.52% | 3.59% | +32 bps | |
| Efficiency Ratio | 72.62% | 69.82% | 68.13% | 67.30% | 66.64% | 67.91% | 65.12% | 68.03% | +73 bps | |
| Non-Interest Burden | 2.07% | 2.06% | 2.02% | 1.96% | 1.94% | 2.18% | 2.05% | 2.22% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.65% | 5.71% | 4.83% | 9.22% | 5.19% | 3.78% | 4.56% | -2.23% | -1,145 bps | |
| Loan Growth (YoY) | 26.29% | 24.92% | 16.60% | 13.18% | 12.59% | 12.85% | 13.21% | 8.08% | -511 bps | |
| Deposit Growth (YoY) | 6.63% | 4.25% | 2.21% | 5.71% | 5.41% | 3.07% | 4.96% | 1.48% | -423 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.55% | 0.58% | 0.48% | +48 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.19% | 0.11% | 0.14% | 0.29% | 0.10% | 0.12% | 0.19% | +5 bps | |
| Allowance / Loans | 0.94% | 0.99% | 1.11% | 1.11% | 1.00% | 1.03% | 1.04% | 0.94% | -17 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | 1.9x | 1.8x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.49% | 10.40% | 10.52% | 10.60% | 10.87% | 10.56% | 10.81% | 10.71% | +11 bps | |
| Total Risk-Based Capital | 19.60% | 19.31% | 19.57% | 18.89% | 18.63% | 18.14% | 19.31% | 18.95% | +6 bps | |
| Equity / Assets | 11.04% | 11.37% | 11.85% | 11.69% | 10.99% | 11.13% | 11.58% | 11.80% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.33% | 54.47% | 55.36% | 57.78% | 56.96% | 59.64% | 59.71% | 61.54% | +376 bps | |
| Liquid Assets / Assets | 3.96% | 1.02% | 2.30% | 2.50% | 3.76% | 2.06% | 5.09% | 3.29% | +79 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |