Crossett, AR · Cert 1757
FDIC · 4 branches
Q3 2018
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.35% | 1.25% | 1.68% | 1.56% | 1.54% | 1.29% | 1.43% | -25 bps | |
| Return on Equity | 9.34% | 13.11% | 11.87% | 15.87% | 14.64% | 14.74% | 12.43% | 13.67% | -220 bps | |
| Net Interest Margin | 3.73% | 3.97% | 4.16% | 4.06% | 4.03% | 4.21% | 4.22% | 4.41% | +35 bps | |
| Efficiency Ratio | 72.83% | 64.83% | 67.45% | 73.89% | 72.86% | 64.18% | 65.59% | 63.82% | -1,007 bps | |
| Non-Interest Burden | 2.36% | 2.06% | 2.31% | 2.62% | 2.55% | 2.17% | 2.27% | 2.26% | -36 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 | -0.08% | 0.09% | 0.18% | 0.11% | 0.07% | -0.02% | -0.09% | -0.06% | -17 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 |