De Witt, AR · Cert 3858
FDIC · 3 branches
Q1 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2021, the quarter ended March 31, 2021, 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 Witt, AR · Cert 3858
FDIC · 3 branches
Q1 2021
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 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.47% | 1.54% | 1.60% | 1.44% | 1.55% | 1.54% | 1.46% | 0.86% | -58 bps | |
| Return on Equity | 13.25% | 13.72% | 14.35% | 12.62% | 13.26% | 13.14% | 12.79% | 8.31% | -431 bps | |
| Net Interest Margin | 3.94% | 3.79% | 3.73% | 3.86% | 3.93% | 3.89% | 3.49% | 2.99% | -87 bps | |
| Efficiency Ratio | 63.63% | 62.28% | 60.70% | 70.57% | 64.79% | 63.78% | 63.98% | 72.49% | +192 bps | |
| Non-Interest Burden | 2.43% | 2.30% | 2.19% | 2.66% | 2.48% | 2.43% | 2.18% | 2.14% | -52 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.83% | 3.13% | 5.19% | -2.78% | -1.79% | -0.99% | 11.16% | 18.84% | +2,162 bps | |
| Loan Growth (YoY) | 2.40% | 0.93% | 6.31% | 5.21% | 2.19% | 2.26% | -2.72% | -5.30% | -1,051 bps | |
| Deposit Growth (YoY) | 1.34% | 9.77% | 6.06% | -5.18% | 3.41% | 8.27% | 15.00% | 25.15% | +3,032 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 2.09% | 1.95% | 2.20% | 2.30% | 2.09% | 1.68% | 1.80% | 1.86% | -45 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.14% | 0.14% | 0.10% | 0.05% | 0.11% | 0.11% | -0.15% | -24 bps | |
| Allowance / Loans | 1.86% | 1.77% | 1.93% | 1.93% | 1.78% | 1.62% | 1.88% | 1.99% | +6 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.8x | 0.8x | 1.0x | 1.0x | 1.1x | +0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.65% | 11.29% | 10.13% | 11.38% | 11.71% | 11.71% | 9.65% | 9.67% | -172 bps | |
| Total Risk-Based Capital | 18.71% | 19.17% | 18.28% | 19.63% | 19.63% | 11.71% | 9.65% | 9.67% | -996 bps | |
| Equity / Assets | 11.52% | 11.43% | 11.07% | 11.70% | 12.22% | 11.95% | 10.27% | 10.32% | -139 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.75% | 82.87% | 73.11% | 78.61% | 81.77% | 78.28% | 61.85% | 59.49% | -1,912 bps | |
| Liquid Assets / Assets | 2.16% | 2.20% | 2.56% | 2.36% | 2.33% | 1.48% | 1.42% | 1.45% | -91 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |