De Queen, AR · Cert 3857
FDIC · 43 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
De Queen, AR · Cert 3857
FDIC · 43 branches
Q1 2018
Market Position · Little Rock-North Little Rock-Conway, AR · 2017 SOD (annual) · 1.1% share · #13 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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.98% | 1.03% | 1.02% | 1.11% | 1.20% | 1.17% | 1.13% | 1.45% | +34 bps | |
| Return on Equity | 7.83% | 8.19% | 8.21% | 9.39% | 10.28% | 10.02% | 9.62% | 11.70% | +230 bps | |
| Net Interest Margin | 3.59% | 3.52% | 3.46% | 3.71% | 3.52% | 3.46% | 3.48% | 3.55% | -16 bps | |
| Efficiency Ratio | 68.40% | 65.27% | 63.76% | 55.13% | 53.16% | 52.96% | 52.28% | 50.57% | -456 bps | |
| Non-Interest Burden | 2.19% | 2.00% | 1.90% | 1.69% | 1.51% | 1.48% | 1.45% | 1.51% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 37.15% | 36.53% | 40.39% | 13.23% | 12.69% | 11.81% | 5.32% | -2.44% | -1,567 bps | |
| Loan Growth (YoY) | 40.38% | 40.92% | 42.16% | 11.91% | 11.19% | 12.38% | 7.14% | -0.22% | -1,214 bps | |
| Deposit Growth (YoY) | 35.72% | 36.69% | 35.51% | 3.64% | 3.78% | -3.80% | -8.68% | -14.44% | -1,808 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 1.14% | 1.02% | 1.07% | 1.05% | 1.04% | -10 bps | |
| Net Charge-Offs / Loans | 0.11% | 0.10% | 0.09% | 0.03% | 0.08% | 0.07% | 0.06% | 0.06% | +4 bps | |
| Allowance / Loans | 0.98% | 0.99% | 1.00% | 1.02% | 1.03% | 1.09% | 1.13% | 1.17% | +14 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 0.9x | 1.0x | 1.0x | 1.1x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.42% | 10.42% | 10.38% | 9.83% | 9.67% | 9.62% | 9.85% | 10.48% | +65 bps | |
| Total Risk-Based Capital | 12.99% | 13.16% | 13.02% | 12.16% | 12.37% | 12.39% | 12.93% | 13.56% | +140 bps | |
| Equity / Assets | 12.43% | 12.48% | 12.20% | 11.44% | 11.38% | 11.57% | 12.16% | 12.57% | +113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.25% | 92.41% | 95.13% | 98.27% | 97.76% | 107.94% | 111.61% | 114.60% | +1,632 bps | |
| Liquid Assets / Assets | 3.70% | 3.50% | 3.73% | 4.51% | 6.14% | 4.34% | 3.04% | 3.84% | -67 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |