Van Buren, AR · Cert 35573
FDIC
Q4 2013
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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.38% | -0.88% | -2.35% | -1.82% | -3.26% | -188 bps | |
| Return on Equity | -19.65% | -13.50% | -37.44% | -29.01% | -54.50% | -3,485 bps | |
| Net Interest Margin | 3.70% | 3.81% | 3.94% | 3.99% | 4.13% | +43 bps | |
| Efficiency Ratio | 108.74% | 97.84% | 99.65% | 102.44% | 101.44% | -729 bps | |
| Non-Interest Burden | 4.00% | 3.72% | 3.92% | 4.11% | 4.20% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.97% | -17.80% | -21.21% | -21.78% | -26.63% | -1,567 bps | |
| Loan Growth (YoY) | -6.97% | -14.83% | -22.76% | -28.41% | -28.97% | -2,201 bps | |
| Deposit Growth (YoY) | -10.72% | -17.81% | -20.58% | -18.73% | -23.88% | -1,317 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 2.81% | 2.55% | 3.90% | 3.66% | 3.63% | +81 bps | |
| Allowance / Loans | 3.36% | 3.61% | 4.93% | 5.12% | 8.72% | +535 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 7.55% | 7.70% | 5.95% | 5.99% | 1.57% | -598 bps | |
| Equity / Assets | 6.38% | 6.61% | 5.82% | 6.22% | 4.56% | -182 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 90.40% | 88.69% | 84.93% | 82.39% | 84.36% | -604 bps | |
| Liquid Assets / Assets | 0.49% | 0.12% | 0.07% | 0.02% | 0.02% | -47 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |