Blytheville, AR · Cert 15529
FDIC
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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.
Blytheville, AR · Cert 15529
FDIC
Q1 2010
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.99% | 1.05% | 0.94% | 0.73% | 0.76% | 0.47% | 1.81% | +87 bps | |
| Return on Equity | 8.05% | 9.71% | 10.22% | 9.08% | 6.94% | 7.10% | 4.49% | 18.35% | +927 bps | |
| Net Interest Margin | 2.77% | 2.93% | 2.90% | 2.49% | 2.52% | 2.75% | 0.46% | 2.20% | -29 bps | |
| Efficiency Ratio | 68.90% | 66.30% | 65.37% | 72.23% | 75.36% | 73.25% | 59.19% | 45.47% | -2,676 bps | |
| Non-Interest Burden | 1.72% | 1.73% | 1.67% | 1.65% | 1.76% | 1.85% | 0.11% | -0.39% | -204 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.50% | 0.90% | 3.68% | 4.62% | -0.73% | -0.76% | 20.13% | 18.87% | +1,425 bps | |
| Loan Growth (YoY) | 8.01% | 9.48% | 7.10% | 1.72% | -0.12% | 1.85% | 2.35% | 2.99% | +128 bps | |
| Deposit Growth (YoY) | 10.07% | 6.66% | 9.11% | 9.57% | 1.13% | 3.00% | 21.87% | 18.89% | +932 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 | 0.14% | 0.09% | 0.16% | 0.05% | 0.53% | 0.40% | 0.00% | 0.03% | -2 bps | |
| Allowance / Loans | 0.98% | 0.91% | 1.06% | 1.05% | 0.80% | 0.81% | 1.13% | 1.16% | +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 | 18.53% | 18.60% | 21.61% | 21.23% | 20.22% | 19.57% | 17.14% | 16.28% | -496 bps | |
| Equity / Assets | 9.71% | 10.45% | 10.55% | 10.22% | 10.67% | 11.47% | 9.66% | 10.11% | -11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 46.30% | 52.26% | 40.33% | 39.63% | 45.73% | 51.68% | 33.87% | 34.33% | -530 bps | |
| Liquid Assets / Assets | 2.92% | 5.67% | 10.93% | 10.34% | 9.34% | 4.25% | 16.23% | 9.68% | -65 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |