Clarksville, AR · Cert 3855
FDIC
Q3 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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.33% | 0.38% | 0.15%1 | 0.09%1 | -0.07% | -1.90% | -1.70% | -1.23% | -132 bps | |
| Return on Equity | -23.03% | 3.46% | 1.33% | 0.83% | -0.64% | -16.42% | -14.87% | -10.69% | -1,152 bps | |
| Net Interest Margin | 3.33% | 3.54% | 3.35% | 3.46% | 3.53% | 3.10% | 3.16% | 3.14% | -32 bps | |
| Efficiency Ratio | 129.24% | 84.66% | 94.41% | 95.03% | 95.35% | 123.42% | 114.12% | 110.12% | +1,509 bps | |
| Non-Interest Burden | 4.29% | 2.86% | 3.12% | 3.24% | 3.33% | 3.90% | 3.66% | 3.51% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.75% | -7.44% | -4.55% | -8.06% | -9.93% | -6.58% | -5.99% | -9.01% | -95 bps | |
| Loan Growth (YoY) | -7.07% | -8.75% | -7.65% | -8.58% | -8.08% | -10.65% | -10.13% | -16.99% | -841 bps | |
| Deposit Growth (YoY) | -9.23% | -5.28% | -1.72% | -5.07% | -11.06% | -6.64% | -5.57% | -8.95% | -388 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 | 1.71% | -0.02% | 0.01% | 0.17% | 0.22% | 4.54% | 2.42% | 1.92% | +175 bps | |
| Allowance / Loans | 2.91% | 3.10% | 3.30% | 3.19% | 3.46% | 2.93% | 3.54% | 3.69% | +50 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 | 16.75% | 17.22% | 17.95% | 18.04% | 18.36% | 17.29% | 17.41% | 18.43% | +39 bps | |
| Equity / Assets | 10.79% | 11.23% | 11.38% | 11.67% | 11.86% | 11.32% | 11.05% | 11.66% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.04% | 77.95% | 75.82% | 78.96% | 79.61% | 74.60% | 72.15% | 71.98% | -698 bps | |
| Liquid Assets / Assets | 0.04% | 0.05% | 1.22% | 1.21% | 1.20% | 1.16% | 2.05% | 2.16% | +95 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |