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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 13.16% | -2.86% | 1.36% | -0.79% | 2.29% | 3.54% | -4.54% | 1.84% | +264 bps | |
| Return on Equity | 423% | -82.51% | 24.24% | -8.76% | 22.44% | 34.17% | -43.14% | 15.81% | +2,458 bps | |
| Net Interest Margin | -10.50% | 4.44% | 4.21% | 4.53% | 5.39% | 6.43% | 4.54% | 4.08% | -45 bps | |
| Efficiency Ratio | 74.12% | 99.55% | 98.95% | 73.16% | 55.07% | 43.54% | 93.11% | 58.73% | -1,444 bps | |
| Non-Interest Burden | -12.23% | 4.45% | 4.20% | 3.12% | 2.74% | 2.48% | 7.73% | 2.31% | -81 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -25.78% | -19.54% | -17.14% | -3.00% | 1.09% | 19.74% | 29.18% | 4.32% | +732 bps | |
| Loan Growth (YoY) | -40.63% | -38.67% | -31.72% | 2.19% | 18.04% | 55.42% | 63.17% | 9.31% | +712 bps | |
| Deposit Growth (YoY) | -27.70% | -22.02% | -17.90% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -28.87% | 1.52% | 0.06% | 0.03% | 0.32% | -0.24% | 2.62% | 0.10% | +7 bps | |
| Allowance / Loans | 0.05% | 1.38% | 1.56% | 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 | 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 | 5.24% | 5.62% | 13.04% | 14.01% | 15.18% | 13.59% | 14.43% | 16.80% | +279 bps | |
| Equity / Assets | 3.71% | 3.20% | 8.10% | 9.93% | 10.51% | 10.22% | 10.83% | 12.58% | +264 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.30% | 65.71% | 65.32% | 80.44% | 78.20% | 85.99% | 84.95% | 86.75% | +630 bps | |
| Liquid Assets / Assets | 2.94% | 0.30% | 0.24% | 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 | n/a | n/a | n/a |