Tyronza, AR · Cert 17047
FDIC · 3 branches
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 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.
Tyronza, AR · Cert 17047
FDIC · 3 branches
Q3 2019
Market Position · Jonesboro, AR · 2019 SOD (annual) · 1.7% share · #17 of 20 inst. · $0.1B of $3.1B
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 0.47% | 0.61% | 0.80% | 0.83% | 0.42% | 0.49% | -0.64% | -145 bps | |
| Return on Equity | 7.46% | 5.00% | 6.76% | 9.21% | 9.42% | 4.24% | 4.73% | -5.78% | -1,499 bps | |
| Net Interest Margin | 2.99% | 2.78% | 2.79% | 2.72% | 2.83% | 2.93% | 2.98% | 1.05% | -167 bps | |
| Efficiency Ratio | 72.41% | 80.21% | 76.28% | 71.34% | 70.26% | 79.21% | 78.30% | 71.59% | +25 bps | |
| Non-Interest Burden | 2.04% | 2.12% | 2.02% | 1.81% | 1.85% | 2.23% | 2.23% | 0.69% | -112 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.24% | 2.99% | 8.34% | 10.05% | 1.61% | 1.61% | -9.89% | -10.36% | -2,041 bps | |
| Loan Growth (YoY) | -27.69% | -27.82% | -3.35% | 8.18% | 16.91% | 2.95% | -18.19% | -18.82% | -2,699 bps | |
| Deposit Growth (YoY) | 5.65% | 4.95% | 5.28% | 9.84% | -1.76% | 0.03% | -2.07% | -4.59% | -1,444 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.17% | 0.22% | 0.19% | 0.32% | 0.37% | 0.99% | 0.86% | +67 bps | |
| Net Charge-Offs / Loans | -0.14% | 0.00% | 0.00% | 0.00% | -0.05% | 0.00% | 0.69% | 0.00% | 0 bps | |
| Allowance / Loans | 3.36% | 3.37% | 2.19% | 1.85% | 2.93% | 3.34% | 2.38% | 0.00% | -185 bps | |
| Allowance Coverage of NPLs | n/a | 19.6x | 9.8x | 9.8x | 9.2x | 9.1x | 2.4x | 0.0x | -9.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.39% | 11.17% | 10.71% | 10.00% | 9.86% | 11.52% | 11.50% | 10.38% | +38 bps | |
| Total Risk-Based Capital | 27.00% | 24.40% | 22.03% | 21.25% | 25.99% | 25.99% | 26.25% | 20.65% | -60 bps | |
| Equity / Assets | 9.37% | 9.23% | 8.45% | 8.00% | 9.16% | 10.62% | 11.49% | 13.35% | +535 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 25.18% | 26.31% | 40.91% | 46.05% | 29.97% | 27.08% | 34.17% | 39.18% | -686 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |