El Dorado, AR · Cert 3860
FDIC · 3 branches
Q2 2014
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 0.96% | 0.84% | 0.76% | 0.65% | 0.77% | 0.75% | 0.80% | +3 bps | |
| Return on Equity | 8.77% | 10.51% | 10.10% | 9.00% | 7.60% | 8.93% | 8.83% | 9.65% | +65 bps | |
| Net Interest Margin | 2.53% | 2.59% | 2.50% | 2.39% | 2.46% | 2.41% | 2.28% | 2.23% | -16 bps | |
| Efficiency Ratio | 62.29% | 60.24% | 64.64% | 67.17% | 72.58% | 67.49% | 66.51% | 61.21% | -596 bps | |
| Non-Interest Burden | 1.20% | 1.15% | 1.25% | 1.26% | 1.49% | 1.27% | 1.21% | 0.98% | -28 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 | 2.37% | 2.81% | -0.22% | 0.09% | 0.18% | 0.55% | -0.01% | 1.02% | +94 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 |