Crossett, AR · Cert 18987
FDIC · 2 branches
Q1 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.38% | 1.42% | 1.24% | 0.65% | -4.90% | -628 bps | |
| Return on Equity | 8.47% | 8.59% | 7.39% | 3.91% | -33.61% | -4,208 bps | |
| Net Interest Margin | 4.57% | 4.64% | 4.63% | 4.56% | 4.45% | -11 bps | |
| Efficiency Ratio | 72.71% | 72.44% | 74.40% | 81.72% | 183.74% | +11,104 bps | |
| Non-Interest Burden | 3.04% | 3.06% | 3.21% | 3.54% | 9.20% | +616 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.74% | -5.79% | -4.18% | 3.46% | 18.05% | +2,079 bps | |
| Loan Growth (YoY) | -3.54% | -0.76% | -1.47% | -3.79% | -1.46% | +208 bps | |
| Deposit Growth (YoY) | -3.88% | -7.46% | -5.79% | 3.59% | 23.13% | +2,701 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.77% | 0.99% | 1.89% | 1.86% | 3.05% | +228 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.08% | 0.29% | 0.06% | +2 bps | |
| Allowance / Loans | 0.47% | 0.48% | 0.54% | 0.50% | 0.49% | +2 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.5x | 0.3x | 0.3x | 0.2x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 16.72% | 17.13% | 17.12% | 16.66% | 14.99% | -173 bps | |
| Total Risk-Based Capital | 24.93% | 25.04% | 26.75% | 25.20% | 14.99% | -994 bps | |
| Equity / Assets | 16.30% | 17.02% | 17.22% | 16.48% | 12.93% | -338 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 75.66% | 79.00% | 78.13% | 74.79% | 60.55% | -1,511 bps | |
| Liquid Assets / Assets | 25.16% | 23.95% | 24.99% | 26.24% | 25.96% | +80 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |