Stephens, AR · Cert 16395
FDIC · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.64% | 1.66% | 1.19% | 1.14% | 1.06% | 1.02% | 0.76% | 0.83% | -31 bps | |
| Return on Equity | 14.83% | 14.82% | 10.26% | 9.69% | 9.13% | 8.75% | 6.36% | 6.83% | -286 bps | |
| Net Interest Margin | 4.33% | 4.38% | 3.94% | 3.84% | 3.83% | 3.85% | 3.70% | 3.73% | -12 bps | |
| Efficiency Ratio | 56.67% | 56.73% | 63.68% | 65.33% | 66.80% | 68.11% | 75.52% | 73.53% | +821 bps | |
| Non-Interest Burden | 2.24% | 2.28% | 2.41% | 2.40% | 2.47% | 2.52% | 2.74% | 2.67% | +27 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% | -0.01% | 0.06% | -0.02% | -0.02% | 0.07% | -0.01% | 0.00% | +2 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 |