Evening Shade, AR · Cert 1751
FDIC
Q4 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2002, the quarter ended December 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.
Evening Shade, AR · Cert 1751
FDIC
Q4 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 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.69% | 0.44% | 0.42% | 0.46% | 0.50% | 0.11% | 0.30% | 0.44% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | 5.76% | 1.26% | 3.40% | 5.16% | n/a | |
| Net Interest Margin | 3.29% | 3.32% | 3.33% | 3.38% | 4.22% | 4.17% | 3.95% | 3.75% | +37 bps | |
| Efficiency Ratio | 75.32% | 82.47% | 83.66% | 84.12% | 64.74% | 71.31% | 71.89% | 70.53% | -1,359 bps | |
| Non-Interest Burden | 2.26% | 2.59% | 2.65% | 2.71% | 2.35% | 2.67% | 2.56% | 2.25% | -46 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.05% | 3.38% | 0.64% | 2.17% | -3.48% | -3.05% | 11.69% | 18.18% | +1,601 bps | |
| Loan Growth (YoY) | 2.22% | -2.19% | -6.69% | -9.04% | -10.47% | 0.62% | 8.09% | 26.91% | +3,595 bps | |
| Deposit Growth (YoY) | 2.00% | 2.51% | -0.13% | 2.33% | -3.09% | -3.35% | 12.68% | 19.26% | +1,693 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 | -0.18% | 0.43% | 0.21% | 0.84% | -0.05% | 0.26% | 0.21% | 0.11% | -73 bps | |
| Allowance / Loans | 1.18% | 1.02% | 1.13% | 0.54% | 1.05% | 1.30% | 1.36% | 1.44% | +90 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 | 16.08% | 16.22% | 16.26% | 15.76% | 16.71% | 16.47% | 15.90% | 15.06% | -70 bps | |
| Equity / Assets | 8.82% | 8.91% | 9.37% | 8.86% | 8.62% | 9.28% | 8.45% | 7.76% | -110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 65.52% | 62.96% | 64.55% | 62.60% | 60.53% | 65.55% | 61.92% | 66.62% | +401 bps | |
| Liquid Assets / Assets | 5.19% | 5.69% | 5.14% | 4.43% | 2.37% | 4.08% | 2.06% | 1.94% | -249 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |