Crossett, AR · Cert 1757
FDIC · 4 branches
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 1.35% | 1.15% | 2.56% | 1.18% | 1.54% | 1.04% | 1.69% | -87 bps | |
| Return on Equity | 5.81% | 13.11% | 10.64% | 23.56% | 10.98% | 14.74% | 10.18% | 16.25% | -732 bps | |
| Net Interest Margin | 3.83% | 3.97% | 4.20% | 4.12% | 4.14% | 4.21% | 4.31% | 4.69% | +57 bps | |
| Efficiency Ratio | 85.06% | 64.83% | 70.03% | 86.87% | 69.82% | 64.18% | 66.95% | 60.61% | -2,626 bps | |
| Non-Interest Burden | 3.08% | 2.06% | 2.47% | 3.40% | 2.47% | 2.17% | 2.40% | 2.19% | -121 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.84% | 6.07% | 1.56% | 2.98% | 1.93% | 2.75% | 6.01% | -2.43% | -542 bps | |
| Loan Growth (YoY) | 20.85% | 16.49% | 1.40% | 2.92% | 8.45% | 14.94% | 25.92% | 22.82% | +1,991 bps | |
| Deposit Growth (YoY) | 7.17% | 7.12% | 3.59% | 5.37% | 0.89% | 1.69% | 4.60% | -6.53% | -1,190 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.17% | 1.09% | 1.03% | 0.96% | 0.83% | 0.43% | 0.38% | -65 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.09% | 0.27% | -0.02% | -0.02% | -0.02% | -0.16% | 0.00% | +2 bps | |
| Allowance / Loans | 1.98% | 1.96% | 1.90% | 0.51% | 0.49% | 0.47% | 0.47% | 0.59% | +8 bps | |
| Allowance Coverage of NPLs | n/a | 1.7x | 1.7x | 0.5x | 0.5x | 0.6x | 1.1x | 1.6x | +1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.54% | 11.00% | 11.38% | 11.39% | 11.28% | 11.05% | 10.78% | 11.34% | -5 bps | |
| Total Risk-Based Capital | 16.98% | 17.22% | 17.37% | 15.98% | 15.74% | 15.21% | 14.17% | 14.64% | -134 bps | |
| Equity / Assets | 10.17% | 10.41% | 11.14% | 10.62% | 10.83% | 10.11% | 10.30% | 10.49% | -13 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.07% | 64.17% | 67.96% | 65.60% | 69.94% | 72.53% | 81.82% | 86.20% | +2,060 bps | |
| Liquid Assets / Assets | 3.85% | 4.44% | 3.79% | 3.51% | 2.29% | 2.25% | 0.17% | 0.17% | -334 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |