Fort Smith, AR · Cert 35281
FDIC · 5 branches
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Fort Smith, AR · Cert 35281
FDIC · 5 branches
Q1 2015
Market Position · Fort Smith, AR-OK · 2014 SOD (annual) · 3.6% share · #10 of 21 inst. · $0.1B of $4.1B
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.55% | 0.57% | 0.56% | 0.97% | 0.81% | 0.82% | 0.76% | 1.35% | +38 bps | |
| Return on Equity | 5.60% | 5.75% | 5.57% | 9.20% | 7.70% | 7.69% | 7.21% | 12.53% | +333 bps | |
| Net Interest Margin | 3.25% | 3.34% | 3.44% | 3.41% | 3.45% | 3.50% | 3.44% | 3.39% | -1 bps | |
| Efficiency Ratio | 85.20% | 85.27% | 85.83% | 79.25% | 81.99% | 82.04% | 85.02% | 74.70% | -455 bps | |
| Non-Interest Burden | 2.64% | 2.72% | 2.83% | 2.45% | 2.63% | 2.68% | 2.78% | 2.24% | -21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.57% | -4.12% | -5.08% | -3.29% | -2.16% | -1.53% | 4.35% | 3.85% | +714 bps | |
| Loan Growth (YoY) | -8.68% | -1.21% | 2.15% | 5.53% | 10.94% | 9.76% | 10.92% | 16.44% | +1,091 bps | |
| Deposit Growth (YoY) | -6.53% | -5.18% | -5.86% | -3.16% | -4.72% | -4.59% | 0.35% | 2.68% | +585 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 | 0.08% | -0.05% | 0.01% | -0.09% | 0.09% | 0.09% | -0.02% | -0.22% | -13 bps | |
| Allowance / Loans | 2.37% | 2.34% | 2.22% | 2.34% | 2.11% | 2.01% | 1.93% | 1.92% | -42 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 | 11.15% | n/a | n/a |
| Total Risk-Based Capital | 17.72% | 16.90% | 16.42% | 17.49% | 16.39% | 15.92% | 15.50% | 16.27% | -122 bps | |
| Equity / Assets | 10.11% | 10.31% | 10.49% | 10.56% | 10.62% | 10.71% | 10.37% | 11.19% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.87% | 98.04% | 103.09% | 98.19% | 109.30% | 112.80% | 113.94% | 111.35% | +1,315 bps | |
| Liquid Assets / Assets | 17.05% | 13.32% | 8.91% | 12.75% | 6.50% | 0.94% | 1.45% | 0.80% | -1,195 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |