Arkadelphia, AR · Cert 34433
FDIC
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 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.
Arkadelphia, AR · Cert 34433
FDIC
Q1 2014
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.26% | 1.26% | 1.25% | 1.18% | 1.21% | 1.21% | 1.22% | 1.15% | -3 bps | |
| Return on Equity | 12.67% | 12.45% | 12.19% | 10.94% | 11.15% | 11.18% | 11.23% | 10.07% | -88 bps | |
| Net Interest Margin | 3.57% | 3.54% | 3.44% | 3.43% | 3.41% | 3.41% | 3.37% | 3.21% | -22 bps | |
| Efficiency Ratio | 56.56% | 57.63% | 59.89% | 58.17% | 58.36% | 58.87% | 59.44% | 62.29% | +412 bps | |
| Non-Interest Burden | 1.72% | 1.76% | 1.81% | 1.72% | 1.72% | 1.75% | 1.76% | 1.81% | +9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.65% | 4.99% | 2.76% | 3.76% | 1.68% | 3.14% | 2.15% | -1.37% | -513 bps | |
| Loan Growth (YoY) | 4.40% | 4.78% | 2.18% | 4.56% | 3.66% | 4.59% | 2.13% | -2.25% | -681 bps | |
| Deposit Growth (YoY) | 5.53% | 4.73% | 2.69% | 4.38% | 1.92% | 3.62% | 2.69% | -2.47% | -685 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 | 0.43% | 0.46% | 0.56% | 0.32% | 0.35% | 0.29% | 0.27% | 0.21% | -11 bps | |
| Allowance / Loans | 2.04% | 1.93% | 1.76% | 1.80% | 1.78% | 1.75% | 1.76% | 1.77% | -3 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 | 15.82% | 16.00% | 16.04% | 16.19% | 16.64% | 16.54% | 17.10% | 18.05% | +186 bps | |
| Equity / Assets | 10.21% | 10.51% | 10.80% | 10.75% | 10.93% | 10.87% | 11.14% | 11.63% | +88 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.11% | 77.63% | 78.35% | 75.97% | 77.41% | 78.36% | 77.92% | 76.14% | +18 bps | |
| Liquid Assets / Assets | 8.44% | 7.85% | 5.73% | 8.57% | 6.86% | 6.27% | 6.90% | 9.43% | +86 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |