Marion, AR · Cert 34887
FDIC · 3 branches
Q4 2022
Market Position · Memphis, TN-MS-AR · 2022 SOD (annual) · 0.4% share · #33 of 46 inst. · $0.2B of $41.8B
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.00% | 1.03% | 1.05% | 0.94% | 0.24% | 0.58% | 0.69% | -36 bps | |
| Return on Equity | 7.09% | 7.29% | 7.53% | 7.87% | 7.26% | 1.86% | 4.03% | 4.60% | -327 bps | |
| Net Interest Margin | 3.84% | 3.91% | 3.62% | 3.47% | 3.46% | 0.62% | 1.66% | 2.20% | -127 bps | |
| Efficiency Ratio | 66.85% | 63.26% | 63.35% | 62.94% | 65.56% | 55.29% | 57.07% | 62.47% | -47 bps | |
| Non-Interest Burden | 2.44% | 2.33% | 2.08% | 2.02% | 2.14% | 0.25% | 0.81% | 1.22% | -80 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.47% | 7.24% | 13.88% | 19.25% | 8.96% | 14.71% | 9.49% | 6.47% | -1,278 bps | |
| Loan Growth (YoY) | 24.48% | 17.24% | 15.43% | 16.05% | 11.59% | -1.45% | -6.96% | -15.89% | -3,194 bps | |
| Deposit Growth (YoY) | 13.12% | 7.05% | 15.06% | 21.26% | 9.31% | 15.69% | 3.08% | 0.34% | -2,092 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.40% | 0.48% | 0.41% | 0.44% | 0.49% | 0.64% | 0.91% | +50 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.24% | 1.27% | 1.25% | 1.30% | 1.25% | 1.30% | 0.00% | 0.00% | -130 bps | |
| Allowance Coverage of NPLs | 2.9x | 3.2x | 2.6x | 3.2x | 2.8x | 2.6x | 0.0x | 0.0x | -3.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.79% | 13.61% | 13.51% | 12.64% | 13.37% | 7.99% | 14.66% | 12.21% | -43 bps | |
| Total Risk-Based Capital | 18.48% | 17.99% | 15.83% | 17.98% | 18.01% | 11.14% | 18.63% | 19.92% | +194 bps | |
| Equity / Assets | 13.86% | 13.63% | 13.68% | 12.28% | 13.75% | 13.22% | 18.81% | 17.23% | +495 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.30% | 97.86% | 99.04% | 82.29% | 96.26% | 83.36% | 89.39% | 68.99% | -1,330 bps | |
| Liquid Assets / Assets | 14.33% | 11.69% | 10.63% | 24.36% | 13.41% | 18.28% | 18.51% | 33.49% | +913 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |