Little Rock, AR · Charter 23956
NCUA · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Little Rock, AR · Charter 23956
NCUA · 2 branches
Q4 2017
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.43% | -0.69% | -0.96% | -1.01% | -0.86% | -0.93% | -1.30% | -1.05% | -3 bps | |
| Return on Equity | -5.39% | -8.77% | -12.45% | -13.49% | -11.72% | -12.42% | -18.55% | -14.52% | -102 bps | |
| Net Interest Margin | 2.33% | 2.25% | 2.30% | 2.34% | 2.19% | 2.32% | 2.31% | 2.39% | +5 bps | |
| Efficiency Ratio | 109.89% | 107.92% | 115.44% | 115.18% | 127.76% | 124.22% | 119.28% | 115.37% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.29% | -3.70% | -2.60% | -2.67% | -5.21% | -9.02% | -7.60% | -8.92% | -625 bps | |
| Loan Growth (YoY) | -24.66% | -12.83% | 1.31% | 19.78% | 20.57% | 10.08% | -4.10% | -15.46% | -3,524 bps | |
| Share Growth (YoY) | -3.79% | -3.89% | -1.38% | -2.65% | -4.58% | -8.84% | -7.05% | -8.05% | -541 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.90% | 0.41% | 0.25% | 0.67% | 0.65% | 0.61% | 0.30% | +5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.66% | 0.71% | 0.79% | 0.65% | 0.72% | 1.10% | 1.08% | +30 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.00% | 7.84% | 7.68% | 7.51% | 7.33% | 7.46% | 7.03% | 7.20% | -31 bps | |
| Net Worth / Assets | 8.00% | 7.84% | 7.68% | 7.51% | 7.33% | 7.46% | 7.03% | 7.20% | -31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.32% | 57.99% | 63.80% | 70.34% | 69.91% | 70.03% | 65.82% | 64.68% | -567 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |