Stephens, AR · Cert 16395
FDIC · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.65% | 1.68% | 1.19% | 1.07% | 0.91% | 0.88% | 0.76% | 0.89% | -18 bps | |
| Return on Equity | 15.06% | 14.96% | 10.26% | 9.05% | 7.79% | 7.60% | 6.36% | 7.28% | -177 bps | |
| Net Interest Margin | 4.50% | 4.53% | 3.94% | 3.77% | 3.65% | 3.64% | 3.70% | 3.69% | -8 bps | |
| Efficiency Ratio | 58.02% | 56.91% | 63.68% | 67.00% | 70.03% | 72.20% | 75.52% | 71.52% | +452 bps | |
| Non-Interest Burden | 2.41% | 2.39% | 2.41% | 2.41% | 2.49% | 2.51% | 2.74% | 2.56% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.81% | 0.21% | 3.98% | 4.89% | 2.66% | -1.36% | -6.89% | -7.29% | -1,218 bps | |
| Loan Growth (YoY) | 8.60% | 7.28% | 2.30% | 2.08% | 0.46% | -1.08% | -1.26% | -1.03% | -311 bps | |
| Deposit Growth (YoY) | -0.72% | -0.04% | 3.26% | 3.75% | 2.12% | -1.80% | -7.62% | -7.92% | -1,167 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.19% | 0.01% | 0.08% | 0.01% | 0.01% | 0.12% | 0.14% | 0.01% | 0 bps | |
| Net Charge-Offs / Loans | -0.04% | 0.08% | 0.06% | -0.10% | -0.01% | 0.33% | -0.01% | 0.01% | +11 bps | |
| Allowance / Loans | 2.12% | 2.12% | 1.61% | 1.62% | 1.61% | 1.56% | 1.58% | 1.56% | -6 bps | |
| Allowance Coverage of NPLs | 11.3x | 224.8x | 19.7x | 172.4x | 216.0x | 13.2x | 11.6x | 273.7x | +101.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.52% | 12.04% | 12.20% | 12.26% | 11.85% | 12.01% | 12.41% | 12.49% | +23 bps | |
| Total Risk-Based Capital | 11.52% | 12.04% | 12.20% | 12.26% | 11.85% | 12.01% | 12.41% | 12.49% | +23 bps | |
| Equity / Assets | 10.97% | 11.55% | 11.71% | 11.94% | 11.41% | 11.86% | 12.19% | 12.28% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.71% | 94.98% | 89.95% | 92.31% | 94.15% | 95.69% | 96.14% | 99.22% | +691 bps | |
| Liquid Assets / Assets | 4.62% | 4.83% | 10.49% | 8.83% | 6.75% | 5.61% | 5.83% | 3.26% | -557 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |