Russellville, AR · Cert 13081
FDIC · 4 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Russellville, AR · Cert 13081
FDIC · 4 branches
Q2 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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.04% | 0.75% | 0.78% | 0.72% | 0.70% | 0.60% | 0.62% | -16 bps | |
| Return on Equity | 5.68% | 5.76% | 5.30% | 5.51% | 5.05% | 4.95% | 4.23% | 4.44% | -107 bps | |
| Net Interest Margin | 2.98% | 3.07% | 3.00% | 2.94% | 2.89% | 2.85% | 2.60% | 2.57% | -37 bps | |
| Efficiency Ratio | 68.17% | 68.55% | 74.28% | 73.51% | 75.86% | 76.00% | 76.18% | 75.23% | +172 bps | |
| Non-Interest Burden | 1.65% | 1.72% | 1.91% | 1.82% | 1.89% | 1.87% | 1.75% | 1.69% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.12% | 2.75% | -6.38% | -5.52% | -3.48% | -1.92% | 3.85% | 3.14% | +866 bps | |
| Loan Growth (YoY) | 1.49% | 5.68% | 4.89% | 2.50% | -2.31% | -8.01% | -5.77% | -4.94% | -744 bps | |
| Deposit Growth (YoY) | 5.03% | 3.80% | -1.34% | 1.51% | 4.70% | 6.76% | 6.44% | 3.83% | +232 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 | 0.05% | 0.04% | 0.03% | 0.10% | 0.14% | 0.12% | -0.03% | 0.06% | -4 bps | |
| Allowance / Loans | 1.83% | 1.77% | 1.81% | 1.77% | 1.78% | 1.82% | 1.86% | 1.83% | +5 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 | 24.63% | 15.56% | 16.07% | 16.13% | 16.87% | 17.34% | 17.60% | 17.39% | +127 bps | |
| Equity / Assets | 19.32% | 13.91% | 14.42% | 14.12% | 14.30% | 14.26% | 13.98% | 13.89% | -24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 72.17% | 74.90% | 70.48% | 68.10% | 67.34% | 64.54% | 62.40% | 62.35% | -576 bps | |
| Liquid Assets / Assets | 22.19% | 20.40% | 21.14% | 22.16% | 23.35% | 23.94% | 26.87% | 25.44% | +328 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |