Jonesboro, AR · Cert 16715
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.67% | 1.77% | 1.79% | 1.53% | 1.57% | 1.63% | 1.61% | 1.27% | -27 bps | |
| Return on Equity | 17.81% | 18.80% | 18.95% | 16.16% | 16.35% | 17.03% | 16.70% | 12.97% | -319 bps | |
| Net Interest Margin | 3.88% | 4.02% | 4.05% | 3.83% | 3.89% | 3.97% | 4.01% | 3.65% | -18 bps | |
| Efficiency Ratio | 43.70% | 42.25% | 42.43% | 46.38% | 45.98% | 44.94% | 45.41% | 51.45% | +507 bps | |
| Non-Interest Burden | 1.12% | 1.08% | 1.10% | 1.25% | 1.28% | 1.28% | 1.35% | 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 | 0.08% | 0.08% | 0.10% | 0.04% | -0.02% | 0.01% | 0.04% | 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 |