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 (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 | 0.93% | 0.47% | 0.76% | 1.17% | 0.87% | 0.42% | 0.57% | -2.95% | -411 bps | |
| Return on Equity | 9.50% | 5.00% | 8.67% | 14.21% | 10.21% | 4.24% | 5.15% | -23.69% | -3,790 bps | |
| Net Interest Margin | 2.87% | 2.78% | 2.97% | 3.09% | 3.07% | 2.93% | 3.07% | -2.72% | -581 bps | |
| Efficiency Ratio | 76.63% | 80.21% | 72.69% | 63.09% | 67.30% | 79.21% | 77.46% | 71.59% | +850 bps | |
| Non-Interest Burden | 2.09% | 2.12% | 2.03% | 1.78% | 1.93% | 2.23% | 2.26% | -2.19% | -396 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 | -0.37% | 0.00% | 0.00% | 0.00% | -0.22% | 0.00% | 1.39% | -1.18% | -118 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 |