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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.04% | 0.80% | 0.68% | 0.79% | 0.68%1 | 0.71% | 0.73% | -0.47% | -125 bps | |
| Return on Equity | 0.35% | 6.41% | 5.53% | 6.45% | 5.68% | 6.06% | 6.36% | -4.03% | -1,048 bps | |
| Net Interest Margin | 3.55% | 3.44% | 3.36% | 3.40% | 3.44% | 3.41% | 3.64% | 3.35% | -6 bps | |
| Efficiency Ratio | 92.48% | 69.11% | 74.18% | 69.64% | 87.43% | 72.41% | 72.74% | 120.23% | +5,059 bps | |
| Non-Interest Burden | 3.22% | 2.14% | 2.27% | 2.11% | 2.90% | 2.22% | 2.40% | 4.14% | +203 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 | -0.01% | 0.17% | 0.21% | 0.19% | 0.01% | 0.02% | -0.03% | -0.04% | -24 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 |