Hot Springs, AR · Cert 34473
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.
Hot Springs, AR · Cert 34473
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 | 0.65% | 0.64% | 0.68% | 0.89% | 0.80% | 0.69% | 0.70% | 0.82% | -7 bps | |
| Return on Equity | 3.90% | 3.85% | 4.03% | 5.16% | 4.62% | 3.95% | 4.02% | 4.58% | -58 bps | |
| Net Interest Margin | 2.43% | 2.42% | 2.40% | 2.40% | 2.40% | 2.43% | 2.45% | 2.48% | +9 bps | |
| Efficiency Ratio | 70.16% | 69.99% | 69.30% | 64.93% | 68.01% | 72.71% | 71.98% | 64.57% | -36 bps | |
| Non-Interest Burden | 1.52% | 1.51% | 1.48% | 1.18% | 1.35% | 1.57% | 1.56% | 1.35% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.86% | 0.07% | 2.86% | -5.74% | -3.03% | -5.71% | -4.53% | -3.11% | +263 bps | |
| Loan Growth (YoY) | 2.99% | -2.19% | -0.32% | 0.74% | -1.35% | 4.20% | 8.45% | 10.31% | +957 bps | |
| Deposit Growth (YoY) | 4.89% | 0.34% | 4.66% | -6.10% | -2.18% | -5.25% | -2.10% | -3.16% | +294 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% | 0.07% | 0.05% | 0.08% | 0.05% | 0.05% | 0.04% | 0.02% | -6 bps | |
| Allowance / Loans | 1.57% | 1.66% | 1.63% | 1.63% | 1.63% | 1.56% | 1.48% | 1.50% | -13 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 | 19.89% | 20.01% | 20.60% | 20.93% | 21.02% | 20.57% | 19.89% | 19.84% | -110 bps | |
| Equity / Assets | 16.78% | 16.82% | 16.91% | 17.47% | 17.33% | 17.81% | 17.70% | 18.06% | +59 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.92% | 51.53% | 52.66% | 53.40% | 53.37% | 56.67% | 58.34% | 60.83% | +743 bps | |
| Liquid Assets / Assets | 32.34% | 28.29% | 33.44% | 31.06% | 33.10% | 29.33% | 27.71% | 26.20% | -486 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |