National Capital Bancorp's Q4 profit falls on higher credit loss provisions
Overview
Bank holding company's Q4 net income declined yr/yr, impacted by higher credit loss provisions
Net interest income for Q4 increased, driven by net interest margin expansion
Company did not repurchase shares in Q4 despite active buyback program
Outlook
Company did not provide specific guidance for future quarters or full year in press release
Result Drivers
NET INTEREST INCOME - Driven by net interest margin expansion despite a slight decline from Q3
CREDIT LOSS PROVISIONS - Increased due to higher reserves on non-performing loans
DEPOSIT GROWTH - Supported new loan opportunities and reduced reliance on wholesale funding
Key Details
Metric | Beat/Miss | Actual | Consensus Estimate |
Q4 Net Income |
| $1.66 mln |
|
Q4 Net Interest Income |
| $6.46 mln |
|
Q4 Net Interest Margin |
| 3.55% |
|
Q4 Pretax Profit |
| $2.19 mln |
|
Press Release: ID:nACSYnx99a
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