Harrisburg, AR · Cert 15880
FDIC · 3 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Harrisburg, AR · Cert 15880
FDIC · 3 branches
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.34% | 1.18% | 0.07% | 2.15% | 1.64% | 1.47% | 1.17% | +110 bps | |
| Return on Equity | 11.08% | 13.65% | 12.15% | 0.71% | 16.86% | 12.69% | 11.32% | 8.99% | +828 bps | |
| Net Interest Margin | 4.13% | 4.17% | 3.98% | 0.16% | 5.23% | 5.58% | 5.22% | 5.00% | +485 bps | |
| Efficiency Ratio | 76.34% | 71.64% | 74.32% | 58.97% | 50.00% | 50.47% | 54.75% | 58.51% | -46 bps | |
| Non-Interest Burden | 3.10% | 2.88% | 2.86% | 0.08% | 2.06% | 2.41% | 2.54% | 2.67% | +259 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.38% | 17.72% | 19.14% | 22.25% | 18.36% | 12.35% | 10.80% | 3.26% | -1,899 bps | |
| Loan Growth (YoY) | 23.86% | 26.28% | 26.68% | 17.95% | 10.67% | 6.24% | 4.62% | 5.92% | -1,204 bps | |
| Deposit Growth (YoY) | 12.95% | 13.75% | 19.19% | 17.86% | 16.38% | 12.60% | 12.29% | 4.35% | -1,350 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 | -0.02% | 0.00% | 0.06% | 0.08% | 0.09% | 0.05% | 0.05% | 0.07% | -1 bps | |
| Allowance / Loans | 1.69% | 1.57% | 1.48% | 0.00% | 0.20% | 0.49% | 0.53% | 0.70% | +70 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 | 9.86% | 9.85% | 9.61% | 9.85% | 9.56% | 9.83% | 9.99% | 10.03% | +18 bps | |
| Total Risk-Based Capital | 13.30% | 13.05% | 12.88% | 11.72% | 12.18% | 12.57% | 12.89% | 13.06% | +134 bps | |
| Equity / Assets | 9.79% | 9.64% | 9.56% | 12.53% | 12.98% | 13.22% | 13.28% | 13.29% | +76 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 102.99% | 106.75% | 107.84% | 98.98% | 97.93% | 100.73% | 100.48% | 100.46% | +148 bps | |
| Liquid Assets / Assets | 0.41% | 0.39% | 0.37% | 0.33% | 0.32% | 0.31% | 0.33% | 0.32% | -2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |