Marianna, AR · Cert 14224
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Marianna, AR · Cert 14224
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.93% | 0.80% | 0.81% | 1.76% | 1.42% | 1.11% | 0.29% | -52 bps | |
| Return on Equity | 7.96% | 7.63% | 6.49% | 6.35% | 13.47% | 10.63% | 8.39% | 2.23% | -412 bps | |
| Net Interest Margin | 4.14% | 4.40% | 4.15% | 3.87% | 3.78% | 3.98% | 3.63% | 3.05% | -81 bps | |
| Efficiency Ratio | 69.83% | 70.55% | 74.85% | 75.99% | 80.44% | 79.34% | 82.28% | 90.02% | +1,403 bps | |
| Non-Interest Burden | 2.71% | 2.91% | 2.96% | 2.80% | 2.94% | 3.05% | 2.90% | 2.70% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.37% | -1.02% | -1.87% | -0.85% | 0.62% | -1.18% | 2.39% | 2.64% | +349 bps | |
| Loan Growth (YoY) | -0.90% | -10.33% | -10.11% | -11.45% | -16.76% | -1.27% | -14.27% | -14.58% | -313 bps | |
| Deposit Growth (YoY) | -5.81% | -1.82% | -3.01% | -2.07% | -0.35% | -1.94% | 2.10% | 2.77% | +484 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 | 0.20% | 0.18% | 0.20% | 0.03% | -4.04% | -2.28% | -2.29% | 0.00% | -3 bps | |
| Allowance / Loans | 0.50% | 0.50% | 0.62% | 0.63% | 0.60% | 0.51% | 0.72% | 0.74% | +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 | 27.38% | 28.27% | 30.01% | 31.04% | 31.86% | 32.03% | 34.57% | 36.35% | +531 bps | |
| Equity / Assets | 12.33% | 13.25% | 12.45% | 13.15% | 13.51% | 14.29% | 13.03% | 13.37% | +23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 40.93% | 41.83% | 31.65% | 31.60% | 34.19% | 42.12% | 26.57% | 26.27% | -533 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 3.45% | 3.53% | 2.73% | 2.69% | 22.90% | 19.44% | +1,591 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |