Jonesboro, AR · Cert 16715
FDIC
Q1 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.75% | 1.99% | 1.85% | 1.53% | 1.59% | 1.78% | 1.53% | 1.27% | -27 bps | |
| Return on Equity | 18.61% | 20.78% | 19.37% | 16.16% | 16.53% | 18.38% | 15.72% | 12.97% | -319 bps | |
| Net Interest Margin | 4.00% | 4.29% | 4.17% | 3.83% | 3.98% | 4.24% | 4.08% | 3.65% | -18 bps | |
| Efficiency Ratio | 42.59% | 39.63% | 42.93% | 46.38% | 45.58% | 42.99% | 46.88% | 51.45% | +507 bps | |
| Non-Interest Burden | 1.10% | 1.01% | 1.15% | 1.25% | 1.31% | 1.32% | 1.53% | 1.57% | +32 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.33% | 4.70% | 3.21% | 2.29% | 1.46% | 4.13% | -0.94% | 1.80% | -49 bps | |
| Loan Growth (YoY) | 9.42% | 5.82% | 8.41% | 3.81% | 2.47% | 4.93% | 2.08% | 4.00% | +20 bps | |
| Deposit Growth (YoY) | 12.64% | 3.67% | 1.51% | 0.48% | -0.64% | -1.32% | -2.29% | 0.94% | +47 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 | -0.01% | 0.09% | 0.14% | 0.04% | -0.08% | 0.07% | 0.14% | 0.11% | +7 bps | |
| Allowance / Loans | 1.02% | 1.00% | 1.00% | 1.07% | 1.06% | 1.01% | 1.07% | 1.09% | +3 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 | 13.37% | 13.19% | 13.74% | 14.35% | 13.78% | 13.24% | 14.26% | 14.72% | +37 bps | |
| Equity / Assets | 9.51% | 9.61% | 9.49% | 9.48% | 9.77% | 9.58% | 9.92% | 9.62% | +14 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 97.18% | 101.04% | 95.52% | 91.24% | 100.22% | 107.45% | 99.81% | 94.00% | +277 bps | |
| Liquid Assets / Assets | 8.80% | 6.06% | 8.67% | 12.43% | 7.18% | 6.30% | 8.16% | 13.23% | +81 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |