Rogers, AR · Cert 15233
FDIC
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Rogers, AR · Cert 15233
FDIC
Q3 2013
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.00% | 0.01% | 0.00% | 0.01% | 0.16% | 0.11% | 0.21% | +21 bps | |
| Return on Equity | 0.24% | 0.02% | 0.04% | 0.00% | 0.05% | 1.04% | 0.71% | 1.38% | +138 bps | |
| Net Interest Margin | 2.81% | 2.73% | 2.75% | 2.78% | 2.82% | 2.75% | 2.72% | 2.78% | 0 bps | |
| Efficiency Ratio | 83.38% | 84.44% | 84.48% | 88.24% | 89.92% | 92.23% | 94.30% | 89.87% | +163 bps | |
| Non-Interest Burden | 2.18% | 2.13% | 2.15% | 2.34% | 2.44% | 2.47% | 2.53% | 2.42% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.33% | -2.31% | -5.43% | -4.37% | -2.56% | -2.72% | -2.23% | -1.00% | +337 bps | |
| Loan Growth (YoY) | -9.24% | -10.94% | -9.00% | -7.30% | -3.90% | 1.59% | -0.41% | 6.32% | +1,363 bps | |
| Deposit Growth (YoY) | -5.63% | -1.95% | -6.33% | -4.93% | -2.81% | -2.22% | -1.79% | 0.05% | +499 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 | 0.74% | 3.76% | 1.57% | 1.15% | 0.91% | 0.45% | 1.01% | 0.64% | -51 bps | |
| Allowance / Loans | 2.41% | 1.89% | 2.38% | 2.44% | 2.53% | 2.41% | 2.13% | 2.06% | -38 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 | 21.46% | 21.55% | 21.51% | 21.71% | 22.21% | 21.91% | 21.97% | 21.29% | -42 bps | |
| Equity / Assets | 15.00% | 14.54% | 15.01% | 15.12% | 15.41% | 14.98% | 15.34% | 15.37% | +24 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.66% | 63.17% | 65.73% | 65.86% | 66.90% | 65.63% | 66.66% | 69.99% | +413 bps | |
| Liquid Assets / Assets | 22.08% | 23.79% | 21.10% | 20.46% | 23.44% | 24.11% | 21.06% | 19.29% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |