Jonesboro, AR · Cert 15455
FDIC
Q2 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | -2.67% | 0.73% | -2.95% | 1.01%1 | -6.94% | -0.04% | -0.99% | +196 bps | |
| Return on Equity | 12.89% | -40.67% | 11.94% | -48.60% | 15.70% | -108.43% | -0.63% | -13.27% | +3,533 bps | |
| Net Interest Margin | 2.88% | 2.54% | 3.68% | 2.92% | 3.21% | 2.93% | 3.08% | 2.80% | -12 bps | |
| Efficiency Ratio | 55.15% | 79.30% | 52.11% | 67.03% | 62.85% | 90.29% | 79.29% | 127.63% | +6,060 bps | |
| Non-Interest Burden | 1.13% | 1.90% | 1.46% | 1.68% | 1.55% | 2.57% | 2.16% | 3.67% | +199 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.82% | 2.72% | -0.53% | -5.26% | -13.79% | -25.57% | -30.17% | -23.64% | -1,838 bps | |
| Loan Growth (YoY) | 12.56% | 10.25% | 3.53% | -4.18% | -11.26% | -21.65% | -30.48% | -29.68% | -2,550 bps | |
| Deposit Growth (YoY) | -0.40% | -0.86% | 1.26% | 2.18% | -8.32% | -17.51% | -24.91% | -20.56% | -2,274 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 | 1.03% | 1.97% | 1.68% | 6.55% | 2.67% | 9.05% | 1.76% | 3.86% | -269 bps | |
| Allowance / Loans | 1.39% | 2.76% | 2.82% | 3.38% | 3.52% | 5.74% | 6.39% | 6.01% | +263 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 | 10.16% | 9.45% | 9.58% | 8.72% | 9.82% | 8.22% | 9.09% | 12.86% | +414 bps | |
| Equity / Assets | 7.05% | 6.08% | 6.06% | 6.09% | 6.79% | 5.95% | 6.37% | 8.53% | +243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.84% | 86.83% | 82.74% | 85.61% | 87.92% | 82.47% | 76.60% | 75.79% | -983 bps | |
| Liquid Assets / Assets | 1.21% | 1.66% | 1.67% | 0.52% | 0.56% | 0.00% | 0.09% | 0.10% | -42 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |