Trumann, AR · Cert 11244
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Trumann, AR · Cert 11244
FDIC
Q1 2010
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.51% | 1.58% | 1.63% | 1.36% | 1.30% | 1.36% | 0.86% | 2.42% | +106 bps | |
| Return on Equity | 8.22% | 8.71% | 8.92% | 7.45% | 7.14% | 7.67% | 4.87% | 13.82% | +637 bps | |
| Net Interest Margin | 3.83% | 3.84% | 4.13% | 3.99% | 3.93% | 4.12% | 1.02% | 3.52% | -47 bps | |
| Efficiency Ratio | 50.31% | 49.09% | 47.99% | 53.23% | 55.05% | 53.85% | 38.45% | 38.61% | -1,462 bps | |
| Non-Interest Burden | 1.73% | 1.70% | 1.78% | 1.99% | 2.03% | 2.09% | 0.15% | -0.14% | -213 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.13% | 2.24% | 2.08% | 4.19% | 1.18% | 11.14% | 13.67% | 10.75% | +656 bps | |
| Loan Growth (YoY) | 25.11% | 24.64% | 20.07% | 5.06% | 1.74% | 3.86% | -1.77% | 2.26% | -281 bps | |
| Deposit Growth (YoY) | 5.29% | 9.29% | 11.94% | 17.82% | 11.93% | 10.87% | 17.24% | 10.61% | -722 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 | 0.07% | -0.01% | 0.01% | 0.01% | 0.19% | 0.11% | 0.05% | 0.07% | +5 bps | |
| Allowance / Loans | 1.18% | 1.12% | 1.25% | 1.31% | 1.11% | 1.01% | 1.19% | 1.20% | -11 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 | 21.91% | 21.52% | 23.31% | 22.55% | 22.63% | 21.13% | 13.34% | 12.23% | -1,032 bps | |
| Equity / Assets | 17.91% | 17.63% | 18.69% | 17.86% | 18.25% | 16.41% | 17.37% | 17.59% | -27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.77% | 102.79% | 85.46% | 77.53% | 87.06% | 96.30% | 71.61% | 71.68% | -585 bps | |
| Liquid Assets / Assets | 0.12% | 0.10% | 0.10% | 0.10% | 0.10% | 9.20% | 0.13% | 0.52% | +42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |