Mansfield, AR · Cert 15653
FDIC
Q1 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2002, the quarter ended March 31, 2002, 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.
Mansfield, AR · Cert 15653
FDIC
Q1 2002
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.86% | 0.76% | 1.02% | 0.61% | 0.11% | 0.21% | 2.60% | +158 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | 15.82% | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.90% | 3.76% | 3.62% | 3.52% | 3.99% | +8 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 65.69% | 67.16% | 80.91% | 76.87% | 44.56% | -2,113 bps | |
| Non-Interest Burden | n/a | n/a | n/a | 2.42% | 2.39% | 2.85% | 2.61% | 1.32% | -111 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.33% | 0.79% | 2.74% | 4.74% | 6.08% | 10.41% | 4.80% | 0.94% | -380 bps | |
| Loan Growth (YoY) | 4.34% | 8.44% | 4.69% | 5.13% | -0.66% | -7.42% | 3.44% | 2.12% | -301 bps | |
| Deposit Growth (YoY) | 0.28% | -0.29% | 2.13% | 4.35% | 5.88% | 4.05% | -2.07% | -6.26% | -1,061 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 | n/a | n/a | n/a | 0.25% | 1.05% | 1.26% | 1.12% | 0.81% | +56 bps | |
| Allowance / Loans | n/a | n/a | n/a | 0.91% | 0.79% | 1.09% | 1.02% | 0.83% | -8 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 | n/a | n/a | n/a | 18.26% | 18.32% | 16.39% | 15.84% | 16.62% | -164 bps | |
| Equity / Assets | n/a | n/a | n/a | 10.18% | 10.09% | 15.38% | 16.05% | 16.79% | +661 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.81% | 70.29% | 67.55% | 65.94% | 63.62% | 62.54% | 71.35% | 71.84% | +589 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 9.46% | 13.16% | 12.61% | 13.06% | 11.94% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |