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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.20% | 0.10%1 | -0.05% | -0.19% | -0.34% | -0.69% | -0.64% | -58 bps | |
| Return on Equity | -1.35% | -1.73% | 0.82% | -0.45% | -1.55% | -2.81% | -5.56% | -4.97% | -452 bps | |
| Net Interest Margin | 3.08% | 2.54% | 2.98% | 3.28% | 3.02% | 2.64% | 2.65% | 2.79% | -49 bps | |
| Efficiency Ratio | 102.78% | 121.88% | 104.08% | 101.83% | 104.91% | 115.47% | 120.97% | 116.33% | +1,450 bps | |
| Non-Interest Burden | 3.17% | 3.18% | 3.12% | 3.35% | 3.19% | 3.11% | 3.30% | 3.33% | -2 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 | 0.24% | 1.02% | 0.92% | 0.99% | 0.99% | -0.18% | 0.12% | 0.23% | -76 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 |