Cabot, AR · Cert 1749
FDIC
Q4 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.41% | 1.52% | 2.34% | 1.34% | 1.78% | 1.68% | 0.90% | -144 bps | |
| Return on Equity | 9.94% | 10.40% | 11.17% | 17.46% | 9.98% | 13.59% | 13.19% | 6.92% | -1,054 bps | |
| Net Interest Margin | 3.32% | 3.39% | 3.61% | 3.34% | 3.56% | 3.84% | 3.91% | 3.73% | +39 bps | |
| Efficiency Ratio | 60.06% | 57.20% | 55.16% | 56.21% | 52.10% | 49.13% | 53.21% | 48.34% | -788 bps | |
| Non-Interest Burden | 1.45% | 1.34% | 1.36% | 1.32% | 1.18% | 1.20% | 1.35% | 0.89% | -43 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.89% | 8.31% | 7.71% | 14.41% | 8.92% | 16.48% | 13.24% | 4.01% | -1,040 bps | |
| Loan Growth (YoY) | 17.15% | 10.34% | 9.63% | 13.69% | 16.01% | 24.42% | 17.77% | 15.62% | +193 bps | |
| Deposit Growth (YoY) | 8.07% | 3.92% | 1.15% | 1.61% | -3.60% | 4.40% | 7.91% | 8.41% | +680 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 | -0.02% | -0.70% | -0.05% | 0.15% | -0.02% | -1.50% | 0.03% | 2.75% | +260 bps | |
| Allowance / Loans | 3.25% | 3.38% | 3.24% | 2.53% | 2.57% | 2.74% | 2.76% | 2.64% | +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 | 12.53% | 12.24% | 12.29% | 12.47% | 12.18% | 11.69% | 12.10% | 12.40% | -6 bps | |
| Equity / Assets | 13.60% | 13.54% | 13.61% | 13.21% | 13.55% | 12.67% | 12.80% | 13.18% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.92% | 85.37% | 91.02% | 95.65% | 100.98% | 101.75% | 99.34% | 102.02% | +637 bps | |
| Liquid Assets / Assets | 0.35% | 0.12% | 0.13% | 0.12% | 0.12% | 0.12% | 0.12% | 0.15% | +3 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |