Yellville, AR · Cert 16354
FDIC
Q2 2003
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 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.37% | 1.25% | 1.12% | 1.28% | 1.35% | 1.36% | 1.37% | 0.23% | -105 bps | |
| Return on Equity | n/a | n/a | 15.97% | 17.86% | 18.49% | 18.50% | 17.31% | 2.37% | -1,549 bps | |
| Net Interest Margin | 3.86% | 3.60% | 3.74% | 3.89% | 3.98% | 4.01% | 4.12% | 1.34% | -255 bps | |
| Efficiency Ratio | 55.86% | 56.49% | 59.62% | 55.71% | 54.11% | 54.84% | 52.65% | 68.90% | +1,319 bps | |
| Non-Interest Burden | 1.82% | 1.74% | 2.06% | 1.93% | 1.88% | 1.91% | 1.90% | 0.86% | -107 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 | 0.27% | 0.36% | 0.25% | 0.14% | 0.12% | 0.18% | 0.40% | 0.39% | +25 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 |