Bryant, AR · Cert 28761
FDIC · 5 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.
Bryant, AR · Cert 28761
FDIC · 5 branches
Q4 2017
Market Position · Little Rock-North Little Rock-Conway, AR · 2017 SOD (annual) · 0.8% share · #16 of 35 inst. · $0.2B of $19.9B
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.11% | 0.45% | 0.04% | -3.51% | -15.48% | -11.68% | -9.39% | -7.15% | -365 bps | |
| Return on Equity | -9.21% | 3.70% | 0.34% | -29.21% | -189.29% | -168.44% | -151.86% | -118.04% | -8,883 bps | |
| Net Interest Margin | 4.50% | 5.06% | 4.72% | 4.67% | 3.17% | 3.09% | 2.99% | 3.14% | -153 bps | |
| Efficiency Ratio | 65.48% | 61.53% | 70.03% | 81.86% | 217% | 267% | 199.06% | 178.18% | +9,632 bps | |
| Non-Interest Burden | 2.63% | 2.78% | 3.04% | 3.65% | 7.82% | 9.39% | 7.22% | 6.56% | +292 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.41% | -7.00% | -12.01% | -14.73% | -13.67% | -12.30% | -16.81% | -14.48% | +25 bps | |
| Loan Growth (YoY) | -3.61% | -6.38% | -17.10% | -17.86% | -28.84% | -26.02% | -34.15% | -37.09% | -1,923 bps | |
| Deposit Growth (YoY) | -1.37% | -5.35% | -4.40% | -12.76% | -9.22% | -5.16% | -8.00% | -11.13% | +162 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 17.81% | 18.04% | 19.04% | 17.90% | +1,790 bps | |
| Net Charge-Offs / Loans | 11.15% | 6.57% | 5.39% | 4.36% | 35.21% | 17.49% | 17.27% | 16.41% | +1,205 bps | |
| Allowance / Loans | 2.83% | 2.66% | 2.53% | 6.90% | 4.10% | 4.03% | 4.10% | 2.06% | -483 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.2x | 0.2x | 0.2x | 0.1x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.44% | 11.34% | 11.46% | 8.05% | 4.72% | 4.32% | 3.46% | 5.51% | -253 bps | |
| Total Risk-Based Capital | 13.34% | 13.54% | 13.63% | 10.24% | 7.29% | 6.80% | 6.11% | 8.78% | -146 bps | |
| Equity / Assets | 12.06% | 12.80% | 13.07% | 9.91% | 6.39% | 4.41% | 3.68% | 5.51% | -440 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.39% | 90.25% | 89.90% | 89.11% | 70.86% | 70.40% | 64.35% | 63.08% | -2,603 bps | |
| Liquid Assets / Assets | 7.19% | 8.69% | 8.46% | 8.62% | 22.05% | 22.17% | 26.42% | 27.61% | +1,900 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |