El Dorado, AR · Cert 3860
FDIC · 3 branches
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
El Dorado, AR · Cert 3860
FDIC · 3 branches
Q2 2014
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 0.97% | 0.84% | 0.80% | 0.75% | 0.75% | 0.75% | 0.77% | -3 bps | |
| Return on Equity | 9.92% | 10.21% | 10.10% | 9.56% | 8.91% | 8.91% | 8.83% | 9.24% | -32 bps | |
| Net Interest Margin | 2.70% | 2.68% | 2.50% | 2.46% | 2.47% | 2.47% | 2.28% | 2.22% | -24 bps | |
| Efficiency Ratio | 59.71% | 59.84% | 64.64% | 65.88% | 68.11% | 67.96% | 66.51% | 63.81% | -207 bps | |
| Non-Interest Burden | 1.22% | 1.21% | 1.25% | 1.26% | 1.35% | 1.33% | 1.21% | 1.08% | -18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.23% | -3.35% | -6.50% | -6.23% | -4.66% | -4.25% | 1.14% | 7.94% | +1,417 bps | |
| Loan Growth (YoY) | -7.93% | -7.60% | -8.67% | -5.02% | 0.96% | 3.17% | 3.80% | 3.22% | +824 bps | |
| Deposit Growth (YoY) | -0.18% | -3.41% | -5.03% | -4.60% | -2.46% | -2.29% | 1.68% | 9.42% | +1,401 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 | 0.81% | 1.31% | -0.22% | -0.06% | 0.02% | 0.15% | -0.01% | 0.51% | +57 bps | |
| Allowance / Loans | 1.85% | 1.36% | 1.61% | 1.73% | 1.82% | 1.83% | 2.01% | 1.90% | +17 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 | 23.73% | 18.98% | 19.71% | 19.47% | 19.34% | 19.15% | 19.39% | 18.93% | -54 bps | |
| Equity / Assets | 10.16% | 8.21% | 8.41% | 8.54% | 8.59% | 8.58% | 8.38% | 8.15% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 42.20% | 41.60% | 40.43% | 42.38% | 43.68% | 43.93% | 41.28% | 39.98% | -240 bps | |
| Liquid Assets / Assets | 40.15% | 40.85% | 43.41% | 40.54% | 38.72% | 39.92% | 42.99% | 42.70% | +215 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |