Searcy, AR · Charter 12122
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Searcy, AR · Charter 12122
Q1 2007
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.59% | 1.55% | 1.35% | -1.36% | 0.34% | -1.25% | -0.42% | -2.71% | -134 bps | |
| Return on Equity | 7.84% | 7.46% | 6.12% | -6.55% | 1.61% | -6.33% | -2.01% | -13.86% | -731 bps | |
| Net Interest Margin | 5.23% | 6.31% | 6.63% | 5.87% | 5.55% | 5.60% | 5.61% | 4.98% | -89 bps | |
| Efficiency Ratio | 75.66% | 84.03% | 80.63% | 104.00% | 100.12% | 99.67% | 100.97% | 148.91% | +4,491 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 537% | -4.16% | -8.90% | -6.90% | -84.24% | 0.67% | 3.84% | 2.70% | +960 bps | |
| Loan Growth (YoY) | 398% | 9.62% | 1.38% | -10.89% | -79.21% | -12.40% | -13.09% | -11.62% | -72 bps | |
| Share Growth (YoY) | 539% | -12.00% | -14.62% | -9.42% | -84.52% | 7.60% | 7.60% | 5.44% | +1,486 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.67% | 0.64% | 1.07% | 3.08% | 6.74% | 6.00% | 6.00% | 9.46% | +638 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 | 0.43% | 1.15% | 1.39% | 1.58% | 0.78% | 2.30% | 1.30% | 1.50% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.26% | 20.80% | 22.10% | 20.82% | 21.13% | 19.83% | 20.86% | 19.53% | -130 bps | |
| Net Worth / Assets | 20.26% | 20.80% | 22.10% | 20.82% | 21.13% | 19.83% | 20.86% | 19.53% | -130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.97% | 117.75% | 123.19% | 102.22% | 102.07% | 95.87% | 99.51% | 85.68% | -1,653 bps | |
| Liquid Assets / Assets | 37.47% | 10.15% | 5.60% | 18.80% | 0.00% | 0.00% | 0.00% | 0.00% | -1,880 bps | |