Mountain View, AR · Cert 12530
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.72% | 0.69% | 0.67% | 0.82% | 0.73% | 0.90% | 0.33% | -34 bps | |
| Return on Equity | 4.41% | 5.38% | 5.10% | 4.66% | 5.33% | 4.54% | 5.58% | 2.03% | -263 bps | |
| Net Interest Margin | 2.15% | 2.16% | 2.20% | 2.28% | 2.61% | 2.58% | 2.85% | 2.73% | +45 bps | |
| Efficiency Ratio | 64.91% | 61.19% | 65.07% | 66.03% | 59.88% | 63.68% | 58.14% | 63.62% | -241 bps | |
| Non-Interest Burden | 1.44% | 1.34% | 1.46% | 1.55% | 1.57% | 1.70% | 1.67% | 1.76% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.27% | 4.89% | 1.68% | -4.18% | -10.40% | -11.37% | -11.61% | -9.05% | -487 bps | |
| Loan Growth (YoY) | 28.60% | 16.48% | 18.65% | 14.89% | -1.81% | 11.49% | 11.04% | 4.20% | -1,069 bps | |
| Deposit Growth (YoY) | 0.01% | 0.27% | -4.04% | -12.74% | -3.60% | -7.52% | -6.38% | -0.92% | +1,182 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% | 0.04% | 0.27% | 0.17% | 0.23% | 0.00% | 0.22% | 1.27% | +111 bps | |
| Allowance / Loans | 1.29% | 1.33% | 1.32% | 1.35% | 1.38% | 1.23% | 1.23% | 1.38% | +3 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 | 14.20% | 14.06% | 14.47% | 14.92% | 15.77% | 14.73% | 14.95% | 16.19% | +127 bps | |
| Equity / Assets | 13.66% | 13.20% | 13.93% | 14.86% | 16.12% | 16.06% | 16.36% | 16.64% | +178 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.92% | 62.16% | 63.79% | 67.71% | 63.08% | 74.94% | 75.66% | 71.21% | +350 bps | |
| Liquid Assets / Assets | 0.19% | 0.43% | 0.27% | 0.56% | 1.57% | 0.26% | 2.32% | 0.27% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |