Paris, AR · Cert 14534
FDIC · 6 branches
Q4 2023
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2023, the quarter ended December 31, 2023, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Paris, AR · Cert 14534
FDIC · 6 branches
Q4 2023
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 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.45% | 1.57% | 1.65% | 1.60% | 1.41% | 1.37% | 1.35% | 1.39% | -21 bps | |
| Return on Equity | 12.33% | 13.57% | 14.48% | 14.05% | 12.34% | 12.11% | 11.94% | 12.26% | -178 bps | |
| Net Interest Margin | 3.87% | 3.96% | 4.11% | 4.19% | 3.95% | 3.88% | 3.78% | 3.69% | -50 bps | |
| Efficiency Ratio | 60.16% | 58.16% | 56.79% | 57.64% | 60.22% | 60.99% | 61.30% | 60.26% | +263 bps | |
| Non-Interest Burden | 1.85% | 1.83% | 1.83% | 1.92% | 1.92% | 1.92% | 1.88% | 1.79% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.88% | 4.70% | 1.50% | 2.22% | 2.82% | 3.82% | 8.85% | 9.24% | +702 bps | |
| Loan Growth (YoY) | -1.47% | 3.83% | 7.43% | 9.59% | 9.58% | 11.59% | 10.65% | 8.23% | -136 bps | |
| Deposit Growth (YoY) | 1.87% | 7.16% | 3.78% | -0.25% | -1.05% | -0.84% | 4.39% | 7.99% | +824 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.31% | 0.24% | 0.16% | 0.16% | 0.14% | 0.19% | 0.23% | 0.27% | +10 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.11% | 0.13% | 0.14% | 0.20% | 0.13% | 0.15% | 0.14% | 0 bps | |
| Allowance / Loans | 1.58% | 1.55% | 1.49% | 1.53% | 1.45% | 1.42% | 1.39% | 1.44% | -9 bps | |
| Allowance Coverage of NPLs | 5.1x | 6.6x | 9.1x | 9.3x | 10.3x | 7.6x | 6.0x | 5.4x | -3.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.68% | 10.70% | 11.24% | 11.35% | 11.63% | 11.42% | 11.44% | 11.16% | -19 bps | |
| Total Risk-Based Capital | 18.24% | 18.09% | 18.24% | 17.95% | 18.31% | 17.45% | 17.47% | 17.84% | -11 bps | |
| Equity / Assets | 11.48% | 11.02% | 11.07% | 11.13% | 11.65% | 11.28% | 11.01% | 11.63% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.65% | 77.69% | 80.98% | 85.50% | 84.87% | 87.43% | 85.83% | 85.69% | +19 bps | |
| Liquid Assets / Assets | 7.97% | 4.51% | 1.53% | 0.76% | 1.97% | 0.90% | 3.33% | 4.29% | +354 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |