De Witt, AR · Cert 1522
FDIC · 2 branches
Q2 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2019, the quarter ended June 30, 2019, 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.
De Witt, AR · Cert 1522
FDIC · 2 branches
Q2 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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.94% | 2.17% | 1.15% | 1.05% | 1.19% | 2.64% | 2.25% | 0.17% | -88 bps | |
| Return on Equity | 11.02% | 12.08% | 6.10% | 5.66% | 6.50% | 14.44% | 12.08% | 1.03% | -464 bps | |
| Net Interest Margin | 3.44% | 3.56% | 2.88% | 3.16% | 3.29% | 3.27% | 2.97% | 0.27% | -289 bps | |
| Efficiency Ratio | 58.78% | 56.14% | 70.19% | 70.91% | 67.30% | 71.71% | 46.05% | 17.32% | -5,359 bps | |
| Non-Interest Burden | 1.76% | 1.60% | 1.90% | 2.13% | 2.11% | 2.20% | 0.71% | 0.03% | -210 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.40% | -6.06% | -4.95% | -8.42% | 0.97% | 0.42% | 2.76% | -6.57% | +184 bps | |
| Loan Growth (YoY) | -9.48% | -9.19% | -16.96% | -14.63% | -4.66% | -2.40% | 4.35% | -12.77% | +186 bps | |
| Deposit Growth (YoY) | -10.50% | -9.07% | -5.30% | 2.92% | 4.29% | 2.03% | 1.78% | 0.53% | -240 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 14.21% | 18.62% | 19.64% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.03% | -0.01% | -0.05% | -0.06% | -0.22% | -0.25% | 0.00% | 0.00% | +6 bps | |
| Allowance / Loans | 6.39% | 8.43% | 9.52% | 7.52% | 6.76% | 3.25% | 3.42% | 0.00% | -752 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.5x | 0.2x | 0.2x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 16.58% | 17.98% | 17.81% | 17.95% | 18.01% | 17.53% | 18.18% | 7.89% | -1,006 bps | |
| Total Risk-Based Capital | 26.08% | 29.28% | 27.41% | 26.41% | 25.25% | 27.31% | 28.86% | 15.20% | -1,122 bps | |
| Equity / Assets | 18.50% | 19.48% | 18.06% | 18.11% | 17.47% | 18.27% | 18.98% | 11.05% | -706 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 50.71% | 36.68% | 31.66% | 40.02% | 46.36% | 35.08% | 32.46% | 34.72% | -529 bps | |
| Liquid Assets / Assets | 0.02% | 0.01% | 0.01% | 0.28% | 0.30% | 0.30% | 0.29% | 20.51% | +2,024 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |