Lewisville, AR · Cert 3881
FDIC · 8 branches
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 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.
Lewisville, AR · Cert 3881
FDIC · 8 branches
Q4 2014
Market Position · Texarkana, TX-AR · 2014 SOD (annual) · 6.0% share · #7 of 16 inst. · $0.1B of $2.3B
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.59% | 0.54% | 0.48% | 0.49% | 1.18% | 1.18% | 0.24% | -23 bps | |
| Return on Equity | 6.69% | 5.66% | 5.12% | 4.56% | 4.81% | 11.60% | 11.51% | 2.30% | -226 bps | |
| Net Interest Margin | 3.78% | 3.81% | 3.81% | 3.66% | 3.63% | 4.16% | 4.12% | 0.89% | -277 bps | |
| Efficiency Ratio | 80.92% | 84.21% | 85.68% | 87.45% | 85.99% | 73.43% | 73.25% | 64.60% | -2,285 bps | |
| Non-Interest Burden | 2.93% | 3.11% | 3.18% | 3.13% | 3.04% | 2.88% | 2.85% | 0.57% | -257 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.26% | -4.15% | -4.76% | 2.51% | 3.42% | 7.11% | 6.58% | 6.41% | +390 bps | |
| Loan Growth (YoY) | -5.27% | -3.89% | 1.29% | 3.48% | 8.55% | 13.73% | 16.69% | 5.10% | +162 bps | |
| Deposit Growth (YoY) | -5.91% | -4.95% | -5.62% | 3.05% | 4.31% | 8.09% | 7.46% | 4.42% | +137 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 | 0.06% | 0.04% | 0.18% | 0.23% | -0.03% | -0.01% | 0.17% | 0.06% | -17 bps | |
| Allowance / Loans | 1.93% | 1.95% | 1.88% | 1.71% | 1.64% | 1.60% | 1.48% | 0.03% | -168 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 | 16.16% | 16.19% | 16.44% | 15.71% | 14.83% | 14.61% | 14.73% | 13.28% | -243 bps | |
| Equity / Assets | 10.44% | 10.64% | 10.73% | 10.16% | 10.01% | 10.29% | 10.45% | 12.17% | +201 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.76% | 88.36% | 86.37% | 85.29% | 89.24% | 92.96% | 93.79% | 85.85% | +56 bps | |
| Liquid Assets / Assets | 11.26% | 7.99% | 7.53% | 8.43% | 4.64% | 1.75% | 1.81% | 13.78% | +535 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |