Prescott, AR · Cert 101
FDIC · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | -8.31% | -3.83% | -2.24% | -1.61% | 0.68% | 0.75% | 0.68% | +292 bps | |
| Return on Equity | 2.42% | -58.34% | -27.03% | -16.04% | -11.64% | 4.82% | 5.21% | 4.69% | +2,072 bps | |
| Net Interest Margin | 3.76% | 3.49% | 3.62% | 3.61% | 3.61% | 3.57% | 3.54% | 3.54% | -7 bps | |
| Efficiency Ratio | 69.04% | 72.25% | 75.92% | 75.76% | 79.99% | 81.72% | 79.94% | 82.28% | +651 bps | |
| Non-Interest Burden | 2.39% | 2.41% | 2.64% | 2.63% | 2.81% | 2.84% | 2.75% | 2.84% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.49% | -12.76% | -16.51% | -5.92% | -0.34% | -3.83% | -2.11% | -6.06% | -14 bps | |
| Loan Growth (YoY) | -7.15% | -16.48% | -11.79% | -12.75% | -11.13% | -3.39% | -4.39% | -2.06% | +1,069 bps | |
| Deposit Growth (YoY) | -6.35% | -6.32% | -11.89% | -7.20% | -4.84% | -5.34% | -3.64% | -2.79% | +441 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 7.06% | 0.71% | 1.03% | 1.13% | 0.89% | 1.01% | 0.98% | 1.08% | -5 bps | |
| Net Charge-Offs / Loans | 0.63% | 39.99% | 19.35% | 12.99% | 8.78% | -2.67% | 0.75% | 0.49% | -1,250 bps | |
| Allowance / Loans | 3.96% | 0.26% | 0.66% | 0.76% | 1.58% | 2.29% | 1.27% | 1.27% | +51 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.4x | 0.6x | 0.7x | 1.8x | 2.3x | 1.3x | 1.2x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 14.79% | 13.30% | 14.18% | 14.50% | 14.58% | 15.20% | 15.30% | 15.42% | +92 bps | |
| Total Risk-Based Capital | 21.89% | 20.10% | 21.10% | 21.08% | 22.04% | 23.61% | 24.16% | 24.62% | +354 bps | |
| Equity / Assets | 15.05% | 13.39% | 14.01% | 13.30% | 13.42% | 14.69% | 15.15% | 15.03% | +173 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 69.68% | 63.58% | 65.52% | 64.42% | 65.07% | 64.89% | 65.01% | 64.91% | +48 bps | |
| Liquid Assets / Assets | 0.44% | 0.23% | 0.18% | 5.41% | 7.18% | 5.81% | 8.08% | 11.87% | +645 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |