Mount Ida, AR · Cert 13593
FDIC
Q1 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.20% | 1.28% | 1.20% | 1.14% | 1.31% | 1.57% | 1.37% | +17 bps | |
| Return on Equity | 10.25% | 10.67% | 11.35% | 10.53% | 9.79% | 10.97% | 13.05% | 13.79% | +326 bps | |
| Net Interest Margin | 3.20% | 3.37% | 3.26% | 3.44% | 3.23% | 3.47% | 3.84% | 3.50% | +6 bps | |
| Efficiency Ratio | 49.93% | 48.28% | 47.77% | 50.07% | 51.29% | 47.53% | 41.44% | 45.78% | -429 bps | |
| Non-Interest Burden | 1.43% | 1.45% | 1.38% | 1.54% | 1.46% | 1.44% | 1.37% | 1.27% | -27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.94% | 6.49% | 0.97% | -3.20% | -4.12% | -4.67% | -5.33% | -0.17% | +303 bps | |
| Loan Growth (YoY) | 4.89% | 1.78% | 4.04% | -1.54% | -7.35% | 11.50% | -3.26% | -6.52% | -498 bps | |
| Deposit Growth (YoY) | 3.40% | 6.66% | 1.03% | -3.30% | -2.89% | -4.52% | -6.23% | 0.18% | +349 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 | -0.01% | 0.00% | 0.07% | 0.17% | -0.03% | -0.02% | -0.04% | -0.02% | -19 bps | |
| Allowance / Loans | 1.57% | 1.63% | 1.63% | 1.63% | 1.65% | 1.44% | 1.68% | 1.78% | +16 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 | 19.59% | 20.70% | 19.96% | 22.57% | 23.42% | 22.84% | 22.99% | 15.85% | -673 bps | |
| Equity / Assets | 11.02% | 11.54% | 11.05% | 11.76% | 11.55% | 12.25% | 11.75% | 8.21% | -355 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.75% | 69.85% | 69.08% | 70.92% | 67.50% | 81.58% | 71.26% | 66.18% | -475 bps | |
| Liquid Assets / Assets | 33.88% | 30.89% | 27.13% | 26.24% | 30.66% | 20.71% | 19.84% | 18.03% | -822 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |