Little Rock, AR · Cert 17800
FDIC · 6 branches
Q2 2018
Market Position · Little Rock-North Little Rock-Conway, AR · 2018 SOD (annual) · 1.0% share · #12 of 34 inst. · $0.2B of $20.5B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.66% | -1.44% | -2.17% | -0.79% | -1.92% | -1.81% | -1.08% | -1.75% | -96 bps | |
| Return on Equity | -36.26% | -34.77% | -58.33% | -23.03% | -61.02% | -66.44% | -45.71% | -85.37% | -6,234 bps | |
| Net Interest Margin | 2.71% | 2.61% | 2.71% | 2.88% | 2.87% | 2.86% | 2.79% | 2.76% | -12 bps | |
| Efficiency Ratio | 150.45% | 144.95% | 146.32% | 142.21% | 135.03% | 133.71% | 133.06% | 127.80% | -1,441 bps | |
| Non-Interest Burden | 4.36% | 4.06% | 4.23% | 4.31% | 4.05% | 3.94% | 3.88% | 3.69% | -62 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.68% | -6.13% | -7.99% | -10.30% | -10.86% | -10.33% | -10.81% | -9.94% | +36 bps | |
| Loan Growth (YoY) | -8.42% | -8.76% | -6.85% | 0.54% | 3.03% | -0.12% | -8.95% | -12.38% | -1,293 bps | |
| Deposit Growth (YoY) | -4.94% | -3.31% | -5.95% | -14.52% | -16.34% | -16.16% | -16.96% | -9.14% | +538 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 2.55% | 2.47% | 3.11% | 2.71% | 1.94% | 2.19% | -28 bps | |
| Net Charge-Offs / Loans | 0.91% | 0.55% | 1.33% | 0.11% | 0.66% | 1.59% | 0.18% | 1.06% | +95 bps | |
| Allowance / Loans | 1.76% | 1.62% | 1.45% | 1.41% | 1.53% | 1.42% | 1.45% | 1.49% | +8 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 0.6x | 0.6x | 0.5x | 0.5x | 0.7x | 0.7x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 4.38% | 4.15% | 3.70% | 3.45% | 3.10% | 2.68% | 2.49% | 2.15% | -130 bps | |
| Total Risk-Based Capital | 8.29% | 7.50% | 6.76% | 6.18% | 5.65% | 5.11% | 4.87% | 4.36% | -182 bps | |
| Equity / Assets | 4.37% | 3.93% | 3.50% | 3.35% | 2.94% | 2.51% | 2.23% | 1.86% | -149 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.27% | 79.54% | 84.95% | 96.76% | 97.63% | 94.75% | 93.14% | 93.31% | -345 bps | |
| Liquid Assets / Assets | 12.49% | 11.66% | 7.19% | 5.57% | 6.04% | 8.40% | 9.22% | 8.45% | +287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |