Dardanelle, AR · Cert 14749
FDIC · 8 branches
Q3 2019
Market Position · Little Rock-North Little Rock-Conway, AR · 2019 SOD (annual) · 0.0% share · #34 of 37 inst. · $0.0B of $23.9B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.52% | 0.13% | 0.22% | 0.48% | 2.48% | 0.45% | 0.49% | 0.83% | +35 bps | |
| Return on Equity | -4.14% | 1.06% | 1.79% | 3.92% | 19.79% | 3.58% | 3.86% | 6.62% | +270 bps | |
| Net Interest Margin | 3.61% | 3.47% | 3.53% | 3.75% | 3.94% | 3.84% | 3.86% | -2.79% | -654 bps | |
| Efficiency Ratio | 91.26% | 93.84% | 91.32% | 83.93% | 54.39% | 86.53% | 85.95% | 55.54% | -2,840 bps | |
| Non-Interest Burden | 3.21% | 3.20% | 3.15% | 3.02% | 0.57% | 3.22% | 3.20% | -3.83% | -684 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.16% | -0.71% | -0.72% | -1.42% | -0.67% | -1.70% | -0.67% | 10.90% | +1,231 bps | |
| Loan Growth (YoY) | -0.99% | -2.39% | 0.71% | 0.88% | -0.16% | 0.88% | -4.88% | 27.69% | +2,681 bps | |
| Deposit Growth (YoY) | -1.91% | -0.44% | 0.88% | -0.20% | -0.54% | -2.18% | -1.14% | 11.43% | +1,162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.37% | 4.90% | 4.70% | 4.00% | 1.73% | 1.14% | 1.25% | 1.10% | -290 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.16% | -0.02% | 0.01% | 1.49% | 0.43% | 0.16% | -0.44% | -45 bps | |
| Allowance / Loans | 1.94% | 1.97% | 1.93% | 1.96% | 1.66% | 1.58% | 1.57% | 0.01% | -196 bps | |
| Allowance Coverage of NPLs | 0.8x | 0.4x | 0.4x | 0.5x | 1.0x | 1.4x | 1.3x | 0.0x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.12% | 12.06% | 12.16% | 12.32% | 12.71% | 12.85% | 12.82% | 10.38% | -194 bps | |
| Total Risk-Based Capital | 20.58% | 20.66% | 20.47% | 20.67% | 21.25% | 21.51% | 22.13% | 13.14% | -753 bps | |
| Equity / Assets | 12.53% | 12.10% | 12.18% | 12.44% | 12.58% | 12.68% | 12.83% | 12.29% | -15 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.69% | 77.74% | 81.62% | 82.65% | 82.00% | 80.17% | 78.53% | 94.71% | +1,207 bps | |
| Liquid Assets / Assets | 4.02% | 8.36% | 5.98% | 6.47% | 8.69% | 9.42% | 10.65% | 5.41% | -106 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |