Walnut Grove, MS · Cert 8558
FDIC · 1 branch
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 | 1.01% | 0.82% | 0.92% | 1.03% | 0.90% | 0.70% | 0.84% | 0.55% | -48 bps | |
| Return on Equity | 7.04% | 5.75% | 6.45% | 7.19% | 6.26% | 4.87% | 5.82% | 4.29% | -291 bps | |
| Net Interest Margin | 3.37% | 3.40% | 3.37% | 3.32% | 3.26% | 3.04% | 3.01% | 3.05% | -27 bps | |
| Efficiency Ratio | 72.78% | 76.57% | 72.12% | 70.72% | 73.79% | 80.78% | 76.43% | 84.57% | +1,385 bps | |
| Non-Interest Burden | 2.27% | 2.45% | 2.26% | 2.16% | 2.24% | 2.33% | 2.16% | 2.49% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.56% | 2.81% | 3.91% | 4.06% | 2.90% | 3.08% | 0.24% | -2.96% | -702 bps | |
| Loan Growth (YoY) | 0.84% | 3.91% | 4.11% | 2.27% | 0.86% | -6.46% | -11.72% | -15.36% | -1,764 bps | |
| Deposit Growth (YoY) | 3.51% | 2.67% | 4.02% | 4.24% | 2.84% | 3.22% | 0.02% | 4.90% | +65 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.24% | 0.04% | 0.22% | 0.18% | 0.20% | 0.56% | 0.44% | 0.52% | +34 bps | |
| Allowance / Loans | 2.34% | 2.33% | 2.31% | 2.34% | 2.35% | 2.34% | 2.38% | 2.38% | +5 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.31% | 14.54% | 14.64% | 14.71% | 14.19% | 14.55% | 14.87% | 8.09% | -662 bps | |
| Total Risk-Based Capital | 29.49% | 29.55% | 29.90% | 30.52% | 30.09% | 31.53% | 33.25% | 19.28% | -1,123 bps | |
| Equity / Assets | 14.20% | 14.37% | 14.43% | 14.54% | 14.23% | 14.34% | 14.79% | 8.12% | -642 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 55.94% | 57.15% | 57.26% | 55.48% | 54.86% | 51.79% | 50.54% | 44.76% | -1,072 bps | |
| Liquid Assets / Assets | 19.95% | 19.22% | 18.12% | 18.22% | 16.55% | 17.68% | 17.93% | 17.84% | -38 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |