Evening Shade, AR · Cert 1751
FDIC
Q4 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.19% | 0.39% | 0.56% | 0.50% | -0.28% | 0.66% | 0.82% | +27 bps | |
| Return on Equity | n/a | 2.15% | 4.22% | 6.12% | 5.76% | -3.14% | 7.49% | 10.19% | +407 bps | |
| Net Interest Margin | 3.29% | 3.36% | 3.29% | 3.43% | 4.22% | 4.10% | 3.92% | 4.11% | +69 bps | |
| Efficiency Ratio | 75.32% | 89.61% | 86.09% | 85.53% | 64.74% | 78.14% | 73.08% | 67.77% | -1,776 bps | |
| Non-Interest Burden | 2.26% | 2.93% | 2.71% | 2.82% | 2.35% | 2.97% | 2.61% | 1.96% | -86 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% | 1.06% | -0.24% | 2.70% | -0.05% | 0.57% | 0.13% | -0.12% | -282 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 |