Vestavia Hills, AL · Cert 58703
FDIC · 4 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 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.
Vestavia Hills, AL · Cert 58703
FDIC · 4 branches
Q1 2017
Market Position · Birmingham-Hoover, AL · 2016 SOD (annual) · 0.6% share · #20 of 50 inst. · $0.2B of $37.5B
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.07% | 1.16% | 1.17% | 1.04% | 1.12% | 1.19% | 1.18% | 1.04% | 0 bps | |
| Return on Equity | 8.72% | 9.59% | 9.72% | 8.89% | 9.71% | 10.32% | 10.33% | 9.40% | +51 bps | |
| Net Interest Margin | 4.14% | 4.20% | 4.15% | 4.17% | 4.26% | 4.06% | 4.03% | 3.75% | -42 bps | |
| Efficiency Ratio | 65.15% | 63.58% | 63.84% | 67.34% | 65.94% | 65.52% | 65.44% | 64.96% | -238 bps | |
| Non-Interest Burden | 2.36% | 2.31% | 2.28% | 2.54% | 2.43% | 2.27% | 2.25% | 2.19% | -35 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 20.45% | 18.42% | 17.28% | 7.80% | 13.96% | 9.52% | 13.04% | 15.26% | +746 bps | |
| Loan Growth (YoY) | 18.78% | 19.14% | 16.51% | 12.65% | 13.50% | 13.07% | 14.70% | 11.84% | -81 bps | |
| Deposit Growth (YoY) | 20.07% | 16.46% | 16.25% | 4.29% | 12.97% | 8.78% | 14.43% | 17.02% | +1,273 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | +1 bps | |
| Net Charge-Offs / Loans | 0.06% | 0.07% | 0.07% | -0.01% | 0.07% | 0.01% | 0.09% | 0.00% | +1 bps | |
| Allowance / Loans | 1.04% | 1.03% | 1.08% | 1.09% | 1.05% | 1.06% | 0.99% | 1.02% | -8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 94.8x | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.08% | 12.15% | 11.92% | 11.63% | 11.94% | 11.45% | 11.60% | 10.90% | -73 bps | |
| Total Risk-Based Capital | 15.90% | 14.51% | 14.20% | 14.34% | 13.69% | 13.75% | 13.71% | 13.94% | -40 bps | |
| Equity / Assets | 11.94% | 11.63% | 11.76% | 11.71% | 11.29% | 11.40% | 11.15% | 10.96% | -75 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.54% | 98.47% | 100.31% | 100.99% | 100.00% | 102.35% | 100.55% | 96.51% | -447 bps | |
| Liquid Assets / Assets | 1.53% | 3.34% | 2.58% | 1.46% | 1.86% | 0.61% | 0.19% | 5.04% | +358 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |