Hot Springs Vil, AR · Charter 23880
Q3 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.27% | -0.64% | -0.77% | -0.91% | -1.03% | -1.29% | -1.32% | -1.38% | -46 bps | |
| Return on Equity | -1.66% | -4.03% | -5.02% | -5.89% | -5.88% | -7.21% | -7.75% | -8.50% | -261 bps | |
| Net Interest Margin | 2.66% | 2.30% | 2.26% | 2.31% | 2.64% | 2.31% | 2.36% | 2.26% | -5 bps | |
| Efficiency Ratio | 115.05% | 126.63% | 132.47% | 137.30% | 136.66% | 152.51% | 153.04% | 157.19% | +1,989 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 15.95% | 30.42% | 29.36% | 21.10% | -12.29% | -17.10% | -16.60% | -11.31% | -3,241 bps | |
| Loan Growth (YoY) | -40.75% | -25.64% | -33.96% | -20.46% | -25.30% | -15.82% | -10.99% | -12.35% | +810 bps | |
| Share Growth (YoY) | 21.28% | 39.53% | 38.08% | 27.02% | -13.68% | -19.21% | -18.45% | -11.82% | -3,883 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.80% | 0.83% | 0.80% | +80 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.37% | 0.10% | 0.15% | 0.21% | 0.21% | 0.22% | 0.21% | +7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.20% | 15.82% | 15.30% | 15.50% | 17.45% | 17.88% | 17.10% | 16.20% | +70 bps | |
| Net Worth / Assets | 16.20% | 15.82% | 15.30% | 15.50% | 17.45% | 17.88% | 17.10% | 16.20% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.05% | 28.47% | 25.54% | 27.62% | 28.60% | 29.67% | 27.87% | 27.45% | -17 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |