Searcy, AR · Cert 12696
FDIC
Q1 2014
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 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.15% | 1.20% | 1.23% | 1.07% | 1.07% | 1.04% | 1.00% | 0.89% | -18 bps | |
| Return on Equity | 9.22% | 9.64% | 10.29% | 10.76% | 10.81% | 10.66% | 10.12% | 8.85% | -192 bps | |
| Net Interest Margin | 3.33% | 3.37% | 3.24% | 3.19% | 3.10% | 3.12% | 2.98% | 3.08% | -11 bps | |
| Efficiency Ratio | 62.51% | 60.97% | 60.67% | 64.45% | 66.20% | 65.97% | 67.17% | 69.05% | +460 bps | |
| Non-Interest Burden | 1.57% | 1.50% | 1.41% | 1.57% | 1.60% | 1.59% | 1.58% | 1.80% | +23 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.29% | 1.90% | 4.49% | -1.45% | 1.39% | 2.13% | -0.25% | 0.87% | +232 bps | |
| Loan Growth (YoY) | -4.84% | -3.09% | -4.34% | -2.04% | 1.14% | 0.93% | 3.12% | 3.90% | +595 bps | |
| Deposit Growth (YoY) | -3.42% | -0.33% | 3.78% | -0.14% | 5.82% | 5.91% | -0.52% | -2.70% | -255 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.27% | 0.22% | 0.22% | -0.08% | -0.05% | -0.05% | 0.05% | -0.05% | +3 bps | |
| Allowance / Loans | 1.68% | 1.74% | 1.72% | 1.79% | 1.70% | 1.77% | 1.72% | 1.76% | -4 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 17.32% | 17.55% | 13.57% | 13.89% | 13.60% | 13.93% | 13.91% | 14.13% | +24 bps | |
| Equity / Assets | 12.41% | 12.22% | 9.92% | 9.91% | 9.82% | 9.54% | 10.10% | 10.00% | +8 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.47% | 79.21% | 81.87% | 77.59% | 78.82% | 75.49% | 84.86% | 82.86% | +526 bps | |
| Liquid Assets / Assets | 19.48% | 19.77% | 18.74% | 22.31% | 17.37% | 23.88% | 17.20% | 19.10% | -321 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |