Brinkley, AR · Cert 11245
FDIC
Q1 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.41% | 2.03% | 1.53% | 1.95% | 1.90% | 1.88% | 1.45% | 1.66% | -29 bps | |
| Return on Equity | 20.31% | 15.60% | 12.13% | 16.58% | 16.35% | 15.13% | 10.72% | 11.99% | -459 bps | |
| Net Interest Margin | 3.15% | 2.82% | 2.76% | 2.73% | 2.73% | 2.71% | 2.58% | 2.51% | -23 bps | |
| Efficiency Ratio | 35.52% | 40.05% | 50.22% | 38.58% | 39.34% | 39.18% | 53.46% | 42.59% | +401 bps | |
| Non-Interest Burden | 0.85% | 0.90% | 1.20% | 0.77% | 0.79% | 0.81% | 1.11% | 0.82% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.13% | -7.17% | -5.07% | -0.59% | -1.77% | 1.71% | -1.66% | -2.24% | -165 bps | |
| Loan Growth (YoY) | 18.90% | 10.98% | -1.17% | -2.23% | -7.15% | -5.04% | -3.20% | -1.59% | +65 bps | |
| Deposit Growth (YoY) | -4.43% | -5.80% | -3.42% | 1.25% | 2.65% | 4.07% | -1.59% | -2.57% | -381 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% | 0.01% | -0.09% | 0.07% | 0.43% | 0.19% | -0.01% | 0.27% | +20 bps | |
| Allowance / Loans | 1.00% | 0.99% | 1.27% | 1.32% | 1.07% | 1.01% | 1.24% | 1.18% | -13 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 | 24.30% | 25.68% | 26.30% | 20.78% | 22.63% | 22.42% | 25.00% | 24.44% | +366 bps | |
| Equity / Assets | 12.48% | 13.51% | 11.71% | 11.80% | 11.45% | 13.44% | 13.59% | 14.09% | +229 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 36.75% | 38.18% | 27.97% | 27.12% | 33.24% | 34.83% | 27.51% | 27.39% | +27 bps | |
| Liquid Assets / Assets | 1.25% | 0.66% | 3.16% | 3.82% | 2.05% | 0.21% | 1.71% | 2.20% | -162 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |