Fayetteville, AR · Cert 26975
FDIC · 8 branches
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 30, 2015, 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.
Fayetteville, AR · Cert 26975
FDIC · 8 branches
Q3 2015
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2015 SOD (annual) · 3.5% share · #5 of 38 inst. · $0.3B 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 | 0.70% | 0.80% | 0.74% | 0.76% | 0.74% | 0.71% | 0.72% | 0.33% | -43 bps | |
| Return on Equity | 5.56% | 6.41% | 5.99% | 6.13% | 6.03% | 6.06% | 6.22% | 2.81% | -332 bps | |
| Net Interest Margin | 3.70% | 3.44% | 3.39% | 3.40% | 3.38% | 3.41% | 3.51% | 3.43% | +4 bps | |
| Efficiency Ratio | 78.04% | 69.11% | 71.66% | 70.98% | 75.17% | 72.41% | 72.58% | 88.25% | +1,727 bps | |
| Non-Interest Burden | 2.65% | 2.14% | 2.20% | 2.17% | 2.34% | 2.22% | 2.30% | 2.90% | +73 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.11% | 0.21% | 1.36% | 2.03% | 4.55% | 1.58% | 6.15% | 2.25% | +22 bps | |
| Loan Growth (YoY) | -6.25% | -8.24% | -7.89% | 6.92% | 2.76% | 9.42% | 11.90% | 3.00% | -392 bps | |
| Deposit Growth (YoY) | -2.17% | 0.51% | 2.06% | 2.88% | 5.78% | 3.84% | 8.71% | 4.46% | +158 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 | 0.02% | 0.17% | 0.19% | 0.18% | 0.14% | 0.02% | 0.00% | -0.02% | -20 bps | |
| Allowance / Loans | 1.40% | 1.36% | 1.34% | 1.19% | 1.26% | 1.18% | 1.19% | 1.21% | +2 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 | 10.72% | 10.71% | 10.46% | n/a | |
| Total Risk-Based Capital | 17.71% | 17.70% | 17.26% | 16.00% | 16.22% | 14.75% | 15.22% | 15.24% | -76 bps | |
| Equity / Assets | 12.70% | 12.36% | 12.18% | 12.28% | 11.72% | 11.73% | 11.36% | 11.74% | -54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.11% | 74.05% | 72.94% | 79.29% | 74.91% | 78.03% | 75.09% | 78.19% | -111 bps | |
| Liquid Assets / Assets | 8.65% | 10.83% | 11.45% | 4.92% | 9.38% | 6.33% | 10.94% | 7.72% | +280 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |