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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.51% | -15.48% | -11.68% | -9.39% | -7.15% | -365 bps | |
| Return on Equity | -29.21% | -189.29% | -168.44% | -151.86% | -118.04% | -8,883 bps | |
| Net Interest Margin | 4.67% | 3.17% | 3.09% | 2.99% | 3.14% | -153 bps | |
| Efficiency Ratio | 81.86% | 217% | 267% | 199.06% | 178.18% | +9,632 bps | |
| Non-Interest Burden | 3.65% | 7.82% | 9.39% | 7.22% | 6.56% | +292 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.73% | -13.67% | -12.30% | -16.81% | -14.48% | +25 bps | |
| Loan Growth (YoY) | -17.86% | -28.84% | -26.02% | -34.15% | -37.09% | -1,923 bps | |
| Deposit Growth (YoY) | -12.76% | -9.22% | -5.16% | -8.00% | -11.13% | +162 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 17.81% | 18.04% | 19.04% | 17.90% | +1,790 bps | |
| Net Charge-Offs / Loans | 4.36% | 35.21% | 17.49% | 17.27% | 16.41% | +1,205 bps | |
| Allowance / Loans | 6.90% | 4.10% | 4.03% | 4.10% | 2.06% | -483 bps | |
| Allowance Coverage of NPLs | n/a | 0.2x | 0.2x | 0.2x | 0.1x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 8.05% | 4.72% | 4.32% | 3.46% | 5.51% | -253 bps | |
| Total Risk-Based Capital | 10.24% | 7.29% | 6.80% | 6.11% | 8.78% | -146 bps | |
| Equity / Assets | 9.91% | 6.39% | 4.41% | 3.68% | 5.51% | -440 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 89.11% | 70.86% | 70.40% | 64.35% | 63.08% | -2,603 bps | |
| Liquid Assets / Assets | 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 |