Bald Knob, AR · Cert 8727
FDIC
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.
Bald Knob, AR · Cert 8727
FDIC
Q4 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.65% | 0.61% | 0.29% | 0.72% | 0.84% | 0.68% | 0.58%1 | +29 bps | |
| Return on Equity | 9.01% | 6.60% | 5.98% | 2.84% | 7.13% | 8.83% | 7.49% | 6.71% | +386 bps | |
| Net Interest Margin | 2.66% | 2.74% | 2.76% | 2.81% | 2.78% | 2.83% | 2.97% | 2.88% | +7 bps | |
| Efficiency Ratio | 90.63% | 89.64% | 91.93% | 96.45% | 84.80% | 78.71% | 85.31% | 91.66% | -479 bps | |
| Non-Interest Burden | 2.34% | 2.38% | 2.48% | 2.68% | 2.25% | 2.10% | 2.48% | 2.59% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.78% | 0.74% | -4.83% | -6.94% | -5.50% | -3.61% | -1.27% | -0.64% | +630 bps | |
| Loan Growth (YoY) | -17.41% | -21.47% | -19.55% | -23.56% | -22.45% | -21.08% | -14.86% | -7.69% | +1,586 bps | |
| Deposit Growth (YoY) | 1.75% | 0.19% | -5.71% | -7.81% | -5.90% | -6.68% | -5.29% | -0.71% | +710 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 | 0.03% | 0.03% | 0.04% | 0.27% | 0.10% | 0.12% | 0.04% | 0.12% | -16 bps | |
| Allowance / Loans | 4.98% | 5.15% | 5.58% | 4.13% | 4.37% | 4.41% | 4.46% | 4.36% | +23 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 | 20.69% | 20.89% | 22.12% | 21.06% | 20.98% | 18.35% | 18.04% | 17.33% | -373 bps | |
| Equity / Assets | 9.56% | 10.37% | 11.26% | 10.34% | 9.95% | 8.14% | 7.70% | 6.83% | -352 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.38% | 23.38% | 22.87% | 20.95% | 19.27% | 19.77% | 20.56% | 19.48% | -147 bps | |
| Liquid Assets / Assets | 1.18% | 1.21% | 1.27% | 1.27% | 1.25% | 1.26% | 1.29% | 0.96% | -31 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |