Texarkana, AR · Charter 8620
Q4 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2013, the quarter ended December 31, 2013, 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.
Texarkana, AR · Charter 8620
Q4 2013
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.27% | -1.29% | -1.46% | -1.49% | -1.26% | -1.17% | -1.34% | -1.39% | +10 bps | |
| Return on Equity | -10.45% | -11.14% | -12.61% | -13.45% | -11.98% | -11.95% | -13.48% | -13.72% | -26 bps | |
| Net Interest Margin | 2.10% | 1.99% | 2.02% | 2.00% | 1.90% | 1.79% | 1.79% | 1.89% | -11 bps | |
| Efficiency Ratio | 157.72% | 160.00% | 166.55% | 168.83% | 159.96% | 159.13% | 167.25% | 166.97% | -186 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.77% | -3.59% | 3.58% | 4.06% | 1.46% | 3.15% | 1.79% | -3.76% | -783 bps | |
| Loan Growth (YoY) | -11.03% | -9.69% | -2.80% | -9.25% | -7.53% | -4.81% | -4.52% | -5.81% | +343 bps | |
| Share Growth (YoY) | -3.98% | -2.56% | 5.61% | 6.47% | 3.36% | 5.18% | 3.64% | -2.69% | -917 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.37% | 0.38% | 0.37% | 2.07% | 1.01% | 0.79% | 0.64% | 0.49% | -158 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.23% | 0.29% | 0.38% | 0.06% | 0.13% | 0.20% | 0.34% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.19% | 11.55% | 11.56% | 11.10% | 10.55% | 9.83% | 9.95% | 10.14% | -96 bps | |
| Net Worth / Assets | 12.19% | 11.55% | 11.56% | 11.10% | 10.55% | 9.83% | 9.95% | 10.14% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.46% | 42.22% | 45.30% | 41.87% | 40.67% | 38.20% | 41.73% | 40.52% | -134 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |