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Bank of Harrisburg, The

Harrisburg, AR · Cert 15880

FDIC · 3 branches

Q4 2016

$125.5MAssets
$106.1MLoans
$105.6MDeposits
$16.7MEquity
Loan mix
71%RE $59.1M11%C&I $9.3M18%Consumer $15.3MQ1 2015Q4 2016
Deposit mix
94%Interest-bearing $99.2M6%Noninterest $6.4MQ1 2015Q4 2016

Executive Summary

  • Earnings: ROA of 0.29%, up 323 bps year over year; NIM at 4.44%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.13%.
  • Capital: tier 1 leverage ratio of 10.03%, up 18 bps from a year ago.
  • Funding: loans stand at 100.46% of deposits as of Q4 2016.

Return on Assets (quarter, annualized)

0.29%+323 bps YoY

Net Interest Margin (quarter, annualized)

4.44%+1,594 bps YoY

Efficiency Ratio (quarter, annualized)

72.33%+1,335 bps YoY

Tier 1 Leverage Ratio

10.03%+18 bps YoY

NIM

5.06%Q4 ’14-13.17%Q4 ’154.89%Q4 ’16-371%+139%

Non-interest income vs. expense

3.68%Q4 ’14-9.01%Q4 ’153.40%Q4 ’16-329%+138%

Discrete quarter, annualized.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.09%1.57%0.89%-2.94%2.15%1.13%1.15%0.29%+323 bps
Return on Equity11.08%16.18%9.23%-26.48%16.86%8.62%8.65%2.21%+2,869 bps
Net Interest Margin4.13%4.38%3.98%-11.50%5.23%5.94%4.67%4.44%+1,594 bps
Efficiency Ratio76.34%67.62%79.64%58.97%50.00%50.93%65.29%72.33%+1,335 bps
Non-Interest Burden3.10%2.80%3.10%-8.07%2.06%2.78%2.87%3.08%+1,115 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.02%0.17%0.15%0.09%0.02%0.05%0.13%-2 bps
Allowance / Loans1.69%1.57%1.48%0.00%0.20%0.49%0.53%0.70%+70 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.86%9.85%9.61%9.85%9.56%9.83%9.99%10.03%+18 bps
Total Risk-Based Capital13.30%13.05%12.88%11.72%12.18%12.57%12.89%13.06%+134 bps
Equity / Assets9.79%9.64%9.56%12.53%12.98%13.22%13.28%13.29%+76 bps
Liquidity & Funding
Loans / Deposits102.99%106.75%107.84%98.98%97.93%100.73%100.48%100.46%+148 bps
Liquid Assets / Assets0.41%0.39%0.37%0.33%0.32%0.31%0.33%0.32%-2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a