Keystone Hghts, FL · Charter 67307
Q4 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.36% | -0.38% | -0.40% | -0.41% | -0.44% | -0.52% | -0.53% | -0.55% | -14 bps | |
| Return on Equity | -2.02% | -2.20% | -2.31% | -2.33% | -2.71% | -3.16% | -3.03% | -3.19% | -86 bps | |
| Net Interest Margin | 2.00% | 1.92% | 1.94% | 1.99% | 1.83% | 1.91% | 2.06% | 2.07% | +7 bps | |
| Efficiency Ratio | 116.12% | 117.88% | 118.78% | 118.69% | 121.62% | 124.35% | 122.75% | 123.75% | +506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.72% | 6.27% | 2.09% | 3.96% | 6.02% | 1.37% | -2.70% | -1.29% | -525 bps | |
| Loan Growth (YoY) | -8.80% | -6.73% | -5.60% | -12.23% | -5.08% | -2.36% | -6.04% | -5.35% | +689 bps | |
| Share Growth (YoY) | 1.29% | 8.22% | 3.00% | 5.55% | 7.85% | 2.22% | -2.66% | -0.96% | -651 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.76% | 0.78% | 0.78% | 0.80% | 0.76% | 0.78% | 0.82% | 0.84% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.75% | 17.27% | 17.47% | 17.67% | 16.33% | 16.57% | 17.45% | 17.34% | -32 bps | |
| Net Worth / Assets | 17.75% | 17.27% | 17.47% | 17.67% | 16.33% | 16.57% | 17.45% | 17.34% | -32 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 41.32% | 39.06% | 40.12% | 39.94% | 36.37% | 37.31% | 38.73% | 38.17% | -177 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |