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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 1.17%, up 110 bps year over year; NIM at 5.00%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • 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 (YTD, annualized)

1.17%+110 bps YoY

Net Interest Margin (YTD, annualized)

5.00%+485 bps YoY

Efficiency Ratio (YTD, annualized)

58.51%-46 bps YoY

Tier 1 Leverage Ratio

10.03%+18 bps YoY

NIM

4.72%Q4 ’140.18%Q4 ’155.36%Q4 ’16-96%+3114%

Non-interest income vs. expense

3.42%Q4 ’140.10%Q4 ’153.22%Q4 ’16-97%+3270%

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets1.09%1.34%1.18%0.07%2.15%1.64%1.47%1.17%+110 bps
Return on Equity11.08%13.65%12.15%0.71%16.86%12.69%11.32%8.99%+828 bps
Net Interest Margin4.13%4.17%3.98%0.16%5.23%5.58%5.22%5.00%+485 bps
Efficiency Ratio76.34%71.64%74.32%58.97%50.00%50.47%54.75%58.51%-46 bps
Non-Interest Burden3.10%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.02%0.00%0.06%0.08%0.09%0.05%0.05%0.07%-1 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