Harrison, AR · Cert 28982
FDIC · 13 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
Harrison, AR · Cert 28982
FDIC · 13 branches
Q4 2014
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2014 SOD (annual) · 1.1% share · #20 of 39 inst. · $0.1B of $8.6B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.33% | 0.26% | 0.26% | 0.26% | -0.08% | 0.05% | 5.04% | 3.81% | +355 bps | |
| Return on Equity | 2.60% | 2.01% | 1.97% | 1.99% | -0.66% | 0.44% | 44.51% | 33.55% | +3,156 bps | |
| Net Interest Margin | 2.78% | 2.73% | 2.82% | 2.78% | 2.78% | 2.73% | 2.79% | 2.75% | -3 bps | |
| Efficiency Ratio | 91.32% | 93.17% | 93.39% | 93.30% | 102.34% | 100.71% | 98.11% | 91.93% | -137 bps | |
| Non-Interest Burden | 2.45% | 2.47% | 2.57% | 2.52% | 2.86% | 2.75% | 2.72% | 2.45% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.51% | -7.11% | -2.54% | 3.48% | 3.95% | 7.59% | 13.48% | 10.01% | +653 bps | |
| Loan Growth (YoY) | 0.93% | -1.36% | 1.01% | 8.57% | 13.92% | 17.94% | 18.33% | 12.09% | +352 bps | |
| Deposit Growth (YoY) | -4.38% | -7.68% | -2.41% | 3.04% | 3.71% | 11.14% | 13.07% | 8.13% | +509 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 | 0.09% | 1.39% | 0.95% | 0.76% | 0.23% | 0.26% | 0.17% | 0.14% | -62 bps | |
| Allowance / Loans | 4.40% | 3.80% | 3.57% | 3.28% | 3.09% | 2.96% | 2.81% | 2.78% | -49 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 | 20.57% | 20.82% | 20.10% | 18.68% | 17.97% | 12.05% | 12.36% | 12.68% | -599 bps | |
| Equity / Assets | 12.86% | 13.54% | 13.31% | 12.82% | 12.46% | 8.56% | 11.41% | 11.46% | -136 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.95% | 78.53% | 80.07% | 82.37% | 82.33% | 83.33% | 83.79% | 85.38% | +302 bps | |
| Liquid Assets / Assets | 16.46% | 13.22% | 7.81% | 7.62% | 8.06% | 3.80% | 5.21% | 2.30% | -533 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |