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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 2.07% | -0.82% | -14.99% | -15.48% | -7.88% | -4.35% | 0.17% | +1,516 bps | |
| Return on Equity | -9.21% | 16.64% | -6.33% | -129.86% | -189.29% | -145.87% | -107.29% | 3.76% | +13,361 bps | |
| Net Interest Margin | 4.50% | 5.45% | 3.77% | 4.10% | 3.17% | 3.05% | 2.44% | 2.79% | -131 bps | |
| Efficiency Ratio | 65.48% | 57.99% | 93.08% | 125.10% | 217% | 324% | 88.68% | 95.04% | -3,006 bps | |
| Non-Interest Burden | 2.63% | 2.83% | 3.41% | 5.18% | 7.82% | 10.91% | 1.89% | 2.62% | -257 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% | 1.66% | 2.47% | 0.70% | 35.21% | 0.13% | 10.80% | 9.53% | +883 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 |