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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.43% | 0.62% | 0.52% | 0.97% | 0.66% | 0.82% | 0.61% | 1.35% | +38 bps | |
| Return on Equity | 4.30% | 6.03% | 5.01% | 9.20% | 6.21% | 7.69% | 5.78% | 12.53% | +333 bps | |
| Net Interest Margin | 3.22% | 3.47% | 3.56% | 3.41% | 3.42% | 3.64% | 3.59% | 3.39% | -1 bps | |
| Efficiency Ratio | 87.96% | 85.42% | 87.53% | 79.25% | 84.92% | 82.14% | 93.85% | 74.70% | -455 bps | |
| Non-Interest Burden | 2.73% | 2.86% | 3.03% | 2.45% | 2.76% | 2.81% | 3.32% | 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 | 0.00% | -0.30% | 0.20% | -0.09% | 0.26% | 0.11% | -0.36% | -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 |