Perryville, AR · Cert 16355
FDIC
Q1 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2008, the quarter ended March 31, 2008, 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.
Perryville, AR · Cert 16355
FDIC
Q1 2008
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.40% | 1.46% | 1.48% | -0.30% | 0.63% | 0.98% | 1.13% | 2.13% | +244 bps | |
| Return on Equity | 13.87% | 14.37% | 14.55% | -2.96% | 6.09% | 9.29% | 10.45% | 13.04% | +1,600 bps | |
| Net Interest Margin | 3.82% | 3.83% | 3.75% | 4.03% | 4.26% | 4.24% | 4.25% | 3.31% | -72 bps | |
| Efficiency Ratio | 69.77% | 68.06% | 67.30% | 60.93% | 63.22% | 63.44% | 63.55% | 61.15% | +22 bps | |
| Non-Interest Burden | 2.47% | 2.41% | 2.34% | 2.20% | 2.51% | 2.50% | 2.51% | 1.82% | -39 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.61% | 5.43% | 6.45% | 4.75% | -0.30% | -3.24% | -7.10% | 2.97% | -177 bps | |
| Loan Growth (YoY) | 9.41% | 12.84% | 11.17% | 11.58% | 2.37% | -6.81% | -9.55% | -10.42% | -2,200 bps | |
| Deposit Growth (YoY) | 4.87% | 9.72% | 8.98% | 7.90% | -1.20% | -2.42% | -5.96% | -6.77% | -1,467 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 | 0.21% | 0.13% | 0.15% | -0.04% | -0.01% | 0.06% | 0.05% | 0.18% | +23 bps | |
| Allowance / Loans | 1.89% | 1.75% | 1.70% | 1.72% | 1.79% | 1.77% | 1.83% | 1.81% | +9 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 | 16.94% | 16.24% | 16.01% | 15.92% | 16.46% | 17.11% | 18.16% | 17.91% | +198 bps | |
| Equity / Assets | 9.82% | 10.28% | 10.16% | 10.42% | 10.51% | 10.94% | 11.98% | 20.28% | +986 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.92% | 83.62% | 83.91% | 81.38% | 83.85% | 79.85% | 80.70% | 78.19% | -319 bps | |
| Liquid Assets / Assets | 1.73% | 1.62% | 1.58% | 1.47% | 1.54% | 1.43% | 1.44% | 0.01% | -146 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |