PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Warehouse Trust Company LLC, The

New York, NY · Cert 59037

FDIC

Q4 2016

$6.8MAssets
n/aLoans
n/aDeposits
$3.5MEquity

Executive Summary

  • Earnings: ROA of 101.07%, up 6,955 bps year over year; NIM at 0.00%.
  • Capital: tier 1 leverage ratio of 61.88%, down 653 bps from a year ago.

Return on Assets (YTD, annualized)

101.07%+6,955 bps YoY

Net Interest Margin (YTD, annualized)

0.00%0 bps YoY

Efficiency Ratio (YTD, annualized)

51.96%-2,859 bps YoY

Tier 1 Leverage Ratio

61.88%-653 bps YoY

NIM

0.00%Q4 ’140.00%Q4 ’150.00%Q4 ’16

Non-interest income vs. expense

238%Q4 ’14347%Q4 ’15241%Q4 ’16-33%-167%

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.32%6.30%15.93%31.52%91.67%84.30%99.67%101.07%+6,955 bps
Return on Equity-0.35%6.92%18.27%36.61%125.07%108.65%131.37%141.31%+10,471 bps
Net Interest Margin0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Efficiency Ratio100.13%95.75%86.07%80.55%59.63%59.12%51.70%51.96%-2,859 bps
Non-Interest Burden0.34%-10.22%-46.93%-83.70%-164.92%-142.88%-190.68%-223%-13,958 bps
Growth
Asset Growth (YoY)-9.74%-8.44%-15.58%-49.35%-22.64%-22.55%-27.91%19.96%+6,931 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 Ratio96.14%90.60%91.40%68.41%90.93%99.75%76.38%61.88%-653 bps
Total Risk-Based Capital207%239%159.15%211%148.98%335%194.49%133.99%-7,723 bps
Equity / Assets91.97%89.83%74.19%77.82%70.31%84.31%70.36%51.90%-2,592 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