Lepanto, AR · Cert 1298
FDIC · 1 branch
Q3 2016
Market Position · Jonesboro, AR · 2016 SOD (annual) · 1.0% share · #18 of 20 inst. · $0.0B of $2.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.35% | -0.20% | 0.41% | -0.38% | -0.59% | -0.34% | -1.06% | -0.52% | -14 bps | |
| Return on Equity | -3.03% | -1.73% | 3.35% | -2.97% | -4.80% | -2.81% | -8.22% | -3.78% | -81 bps | |
| Net Interest Margin | 2.86% | 2.54% | 3.25% | 3.52% | 2.82% | 2.64% | 2.54% | 2.65% | -88 bps | |
| Efficiency Ratio | 106.33% | 121.88% | 89.40% | 97.68% | 114.95% | 115.47% | 126.95% | 107.09% | +941 bps | |
| Non-Interest Burden | 3.08% | 3.18% | 2.85% | 3.43% | 3.30% | 3.11% | 3.33% | 2.88% | -55 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.80% | -13.08% | -13.09% | -3.04% | -2.97% | -4.99% | -4.82% | -9.54% | -650 bps | |
| Loan Growth (YoY) | -1.51% | 0.78% | -4.59% | -6.12% | -5.28% | -7.05% | -5.93% | -4.48% | +164 bps | |
| Deposit Growth (YoY) | -10.94% | -15.88% | -15.45% | -4.69% | -3.45% | -5.70% | -5.59% | -10.56% | -588 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 | -0.28% | 1.02% | 0.98% | 1.21% | -0.07% | -0.18% | 0.40% | 0.46% | -75 bps | |
| Allowance / Loans | 3.09% | 2.80% | 2.13% | 2.02% | 2.83% | 2.81% | 2.44% | 2.39% | +38 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 | n/a | 11.67% | 12.52% | 13.19% | 12.26% | 12.41% | 12.76% | 13.61% | +42 bps | |
| Total Risk-Based Capital | 34.39% | 33.07% | 29.20% | 28.54% | 33.00% | 32.05% | 31.75% | 30.90% | +236 bps | |
| Equity / Assets | 11.28% | 11.83% | 12.49% | 12.94% | 11.69% | 12.51% | 13.37% | 14.06% | +111 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 33.55% | 35.44% | 45.62% | 48.16% | 32.91% | 34.94% | 45.46% | 51.44% | +328 bps | |
| Liquid Assets / Assets | 0.15% | 0.15% | 0.16% | 0.16% | 0.15% | 0.16% | 0.17% | 0.18% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |