Paris, AR · Charter 13218
Q3 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.04% | -0.76% | -0.75% | -0.69% | -0.85% | -1.15% | -2.04% | -1.66% | -97 bps | |
| Return on Equity | -9.32% | -6.72% | -6.78% | -6.19% | -7.42% | -8.37% | -14.24% | -11.67% | -547 bps | |
| Net Interest Margin | 2.14% | 2.09% | 2.03% | 2.11% | 2.10% | 2.18% | 2.43% | 2.41% | +30 bps | |
| Efficiency Ratio | 148.49% | 136.21% | 136.97% | 132.62% | 140.47% | 152.91% | 183.87% | 168.93% | +3,631 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.24% | -3.44% | -2.81% | -4.19% | -9.56% | -24.49% | -30.48% | -30.18% | -2,599 bps | |
| Loan Growth (YoY) | 23.97% | 0.27% | -0.61% | -11.39% | -10.18% | -12.73% | -19.14% | -7.70% | +369 bps | |
| Share Growth (YoY) | -4.84% | -2.72% | -2.28% | -3.84% | -9.91% | -26.71% | -33.05% | -32.69% | -2,885 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 4.26% | 6.61% | 6.18% | 5.22% | 10.69% | 0.15% | 0.00% | -618 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.71% | 0.70% | 0.72% | 0.74% | 0.81% | 0.86% | 0.78% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.13% | 11.24% | 11.07% | 11.10% | 11.46% | 13.80% | 14.30% | 14.24% | +314 bps | |
| Net Worth / Assets | 11.13% | 11.24% | 11.07% | 11.10% | 11.46% | 13.80% | 14.30% | 14.24% | +314 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.29% | 38.60% | 39.23% | 38.88% | 40.17% | 45.96% | 47.38% | 53.32% | +1,443 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |