Jonesboro, AR · Cert 16983
FDIC · 10 branches
Q4 2014
Market Position · Jonesboro, AR · 2014 SOD (annual) · 7.9% share · #4 of 20 inst. · $0.2B of $2.5B
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.75% | 0.78% | 0.72% | 0.15% | 0.16% | 0.57% | 0.61% | -11 bps | |
| Return on Equity | 4.86% | 4.98% | 5.14% | 4.83% | 1.06% | 1.23% | 4.57% | 4.99% | +16 bps | |
| Net Interest Margin | 3.62% | 3.72% | 3.65% | 3.44% | 3.41% | 0.35% | 1.93% | 2.45% | -99 bps | |
| Efficiency Ratio | 67.21% | 66.42% | 66.07% | 67.98% | 81.33% | 40.95% | 52.15% | 58.59% | -939 bps | |
| Non-Interest Burden | 2.30% | 2.34% | 2.27% | 2.21% | 2.75% | 0.12% | 0.90% | 1.32% | -90 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -1.33% | 3.56% | 5.73% | 13.90% | 18.50% | 22.69% | 11.36% | +563 bps | |
| Loan Growth (YoY) | 5.72% | 2.17% | 3.33% | 8.51% | 18.87% | 20.07% | 20.08% | 15.03% | +652 bps | |
| Deposit Growth (YoY) | -0.34% | -1.07% | 0.49% | 6.47% | 16.52% | 16.74% | 23.88% | 8.85% | +238 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 | 0.69% | 0.76% | 0.51% | 0.37% | -0.03% | 0.00% | 0.00% | 0.00% | -37 bps | |
| Allowance / Loans | 2.12% | 1.88% | 1.84% | 1.86% | 1.86% | 0.04% | 0.17% | 0.31% | -156 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 | 15.69% | 15.93% | 15.68% | 15.41% | 14.66% | 11.43% | 12.78% | 13.67% | -174 bps | |
| Equity / Assets | 15.23% | 15.60% | 15.17% | 14.18% | 13.79% | 10.66% | 11.02% | 11.43% | -275 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.89% | 98.95% | 103.30% | 88.98% | 93.73% | 101.77% | 100.12% | 94.03% | +505 bps | |
| Liquid Assets / Assets | 0.02% | 0.02% | 0.06% | 0.02% | 0.18% | 0.01% | 3.64% | 3.63% | +361 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |