Yellville, AR · Cert 16354
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 | 1.27% | 0.95% | 1.12% | 1.44% | 1.49% | 1.40% | 1.37% | -0.84% | -229 bps | |
| Return on Equity | 16.62% | 13.02% | 15.97% | 19.79% | 19.75% | 18.33% | 17.31% | -7.95% | -2,774 bps | |
| Net Interest Margin | 3.94% | 4.03% | 3.74% | 4.04% | 4.24% | 4.25% | 4.12% | -1.21% | -525 bps | |
| Efficiency Ratio | 58.95% | 58.17% | 59.62% | 52.24% | 51.28% | 56.83% | 52.65% | 68.90% | +1,666 bps | |
| Non-Interest Burden | 2.01% | 2.10% | 2.06% | 1.79% | 1.81% | 2.10% | 1.90% | -0.07% | -187 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.74% | 21.52% | 18.44% | 13.24% | 16.29% | 7.64% | 6.41% | 18.83% | +558 bps | |
| Loan Growth (YoY) | 5.64% | 5.64% | 7.74% | 10.17% | 11.63% | 13.78% | 10.50% | 8.28% | -188 bps | |
| Deposit Growth (YoY) | 14.88% | 18.20% | 17.40% | 11.34% | 14.68% | 9.13% | 7.35% | 14.29% | +295 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 | 0.38% | 0.65% | 0.25% | 0.04% | 0.08% | 0.38% | 0.40% | 0.38% | +34 bps | |
| Allowance / Loans | 1.03% | 1.17% | 1.16% | 1.22% | 1.27% | 1.22% | 1.22% | 1.60% | +38 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 | 12.27% | 11.94% | 12.52% | 12.67% | 12.70% | 12.63% | 12.73% | 12.45% | -22 bps | |
| Equity / Assets | 7.69% | 6.97% | 7.08% | 7.50% | 7.56% | 7.71% | 8.12% | 12.82% | +532 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.34% | 78.51% | 80.53% | 81.49% | 78.20% | 81.85% | 82.89% | 77.21% | -428 bps | |
| Liquid Assets / Assets | 2.61% | 3.56% | 3.83% | 3.18% | 2.64% | 2.34% | 1.92% | 0.45% | -273 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |