Portland, AR · Cert 20160
FDIC · 5 branches
Q3 2015
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2015 SOD (annual) · 0.3% share · #29 of 38 inst. · $0.0B of $9.1B
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 0.92% | 0.73% | 0.62% | 0.58% | 0.79% | 0.77% | 0.70% | +9 bps | |
| Return on Equity | 10.21% | 7.62% | 6.02% | 5.08% | 4.79% | 6.67% | 6.53% | 6.01% | +93 bps | |
| Net Interest Margin | 3.45% | 3.54% | 3.48% | 3.49% | 3.40% | 3.75% | 3.67% | 3.55% | +7 bps | |
| Efficiency Ratio | 81.80% | 72.75% | 76.63% | 78.46% | 80.28% | 71.47% | 72.30% | 74.04% | -442 bps | |
| Non-Interest Burden | 2.81% | 2.47% | 2.59% | 2.67% | 2.68% | 2.56% | 2.53% | 2.52% | -16 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 7.38% | 2.55% | -0.59% | 3.21% | 3.70% | 7.44% | 8.55% | +914 bps | |
| Loan Growth (YoY) | 4.42% | 5.32% | 1.52% | -2.13% | 9.83% | 12.77% | 12.49% | 16.24% | +1,836 bps | |
| Deposit Growth (YoY) | 9.34% | 8.72% | 0.98% | -0.91% | 1.98% | 2.61% | 4.65% | 8.68% | +959 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 | 0.58% | 0.03% | 0.00% | 0.11% | 0.07% | 0.00% | 0.00% | -0.01% | -12 bps | |
| Allowance / Loans | 1.94% | 1.88% | 1.85% | 1.78% | 1.69% | 1.61% | 1.58% | 1.55% | -23 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 | 9.68% | 9.79% | 9.62% | n/a | |
| Total Risk-Based Capital | 13.81% | 13.85% | 13.56% | 13.72% | 13.68% | 13.49% | 13.24% | 13.23% | -49 bps | |
| Equity / Assets | 12.12% | 11.91% | 12.27% | 12.24% | 11.99% | 11.75% | 11.61% | 11.55% | -69 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 81.26% | 80.39% | 85.91% | 83.97% | 87.51% | 88.35% | 92.34% | 89.81% | +584 bps | |
| Liquid Assets / Assets | 0.08% | 0.11% | 0.04% | 0.09% | 0.06% | 0.10% | 0.08% | 0.21% | +13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |