Decatur, AR · Cert 17346
FDIC · 3 branches
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Decatur, AR · Cert 17346
FDIC · 3 branches
Q3 2014
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2014 SOD (annual) · 1.5% share · #14 of 39 inst. · $0.1B of $8.6B
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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.79% | 0.01% | 3.54% | -0.66% | 0.18% | +97 bps | |
| Return on Equity | -12.60% | 0.13% | 34.17% | -6.24% | 1.67% | +1,427 bps | |
| Net Interest Margin | 4.35% | 4.47% | 6.43% | 5.19% | 4.87% | +52 bps | |
| Efficiency Ratio | 89.13% | 78.54% | 43.54% | 92.28% | 77.81% | -1,132 bps | |
| Non-Interest Burden | 3.88% | 3.47% | 2.48% | 4.99% | 4.15% | +27 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.00% | 1.09% | 19.74% | 29.18% | 4.32% | +732 bps | |
| Loan Growth (YoY) | 2.19% | 18.04% | 55.42% | 63.17% | 9.31% | +712 bps | |
| Deposit Growth (YoY) | -5.09% | 0.08% | 18.77% | 25.47% | 1.37% | +646 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.41% | 0.40% | -0.24% | 1.19% | 0.92% | +50 bps | |
| Allowance / Loans | 1.82% | 1.88% | 1.63% | 1.03% | 1.12% | -71 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 14.01% | 15.18% | 13.59% | 14.43% | 16.80% | +279 bps | |
| Equity / Assets | 9.93% | 10.51% | 10.22% | 10.83% | 12.58% | +264 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.44% | 78.20% | 85.99% | 84.95% | 86.75% | +630 bps | |
| Liquid Assets / Assets | 0.16% | 0.13% | 0.01% | 0.14% | 0.16% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |