Harrison, AR · Cert 34611
FDIC · 5 branches
Q3 2016
Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2016 SOD (annual) · 0.3% share · #30 of 40 inst. · $0.0B of $9.6B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.30% | 1.28% | 1.34% | 1.58% | 1.40% | 1.34% | 1.48% | 0.66% | -92 bps | |
| Return on Equity | 9.50% | 10.25% | 11.62% | 13.71% | 11.89% | 11.26% | 12.65% | 5.65% | -806 bps | |
| Net Interest Margin | 4.37% | 4.21% | 4.25% | 4.33% | 4.31% | 4.21% | 4.22% | 4.24% | -9 bps | |
| Efficiency Ratio | 64.40% | 60.24% | 60.44% | 56.41% | 60.85% | 60.06% | 57.99% | 81.13% | +2,472 bps | |
| Non-Interest Burden | 2.68% | 2.24% | 2.32% | 2.10% | 2.36% | 2.18% | 2.05% | 3.25% | +115 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.40% | 3.69% | -0.43% | -0.49% | -3.59% | 0.11% | 5.86% | 1.83% | +232 bps | |
| Loan Growth (YoY) | 3.12% | 5.89% | -0.37% | 0.57% | 0.93% | 0.64% | 10.11% | 3.32% | +275 bps | |
| Deposit Growth (YoY) | 4.83% | 5.32% | 8.40% | 7.60% | 1.07% | 0.91% | -2.18% | -2.97% | -1,057 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% | 0.61% | -0.02% | -0.12% | 0.66% | 0.10% | -0.24% | 0.45% | +58 bps | |
| Allowance / Loans | 1.86% | 1.72% | 1.79% | 1.77% | 1.60% | 1.58% | 1.56% | 1.50% | -26 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 | 11.72% | 11.27% | 11.75% | 11.89% | 12.04% | 11.58% | 11.54% | -21 bps | |
| Total Risk-Based Capital | 19.40% | 16.43% | 16.21% | 16.27% | 16.61% | 16.69% | 15.88% | 16.36% | +9 bps | |
| Equity / Assets | 13.18% | 11.70% | 11.38% | 11.72% | 11.82% | 11.92% | 11.54% | 11.83% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.71% | 90.89% | 87.06% | 90.79% | 89.59% | 90.65% | 98.00% | 96.68% | +589 bps | |
| Liquid Assets / Assets | 1.40% | 1.85% | 1.47% | 1.45% | 3.74% | 4.14% | 2.14% | 2.19% | +74 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |