PackageTrendsPeer
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Pulaski Bank and Trust Company

Little Rock, AR · Cert 17562

FDIC

Q1 2007

$630.4MAssets
$411.1MLoans
$439.3MDeposits
$132.4MEquity
Loan mix
82%RE $320.7M8%C&I $29.7M10%Consumer $40.0MQ2 2005Q1 2007
Deposit mix
82%Interest-bearing $362.4M18%Noninterest $76.9MQ2 2005Q1 2007

Executive Summary

  • Earnings: ROA of 0.41%, down 12 bps year over year; NIM at 1.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 93.59% of deposits as of Q1 2007.

Return on Assets (quarter, annualized)

0.41%-12 bps YoY

Net Interest Margin (quarter, annualized)

1.84%-224 bps YoY

Efficiency Ratio (quarter, annualized)

85.67%-559 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.74%Q1 ’056.29%Q1 ’063.63%Q1 ’07-7%-55%

Non-interest income vs. expense

10.15%Q1 ’059.35%Q1 ’064.53%Q1 ’07-1%-63%

Discrete quarter, annualized.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets0.95%0.86%3.13%0.53%1.12%0.57%-0.19%0.41%-12 bps
Return on Equity12.23%11.38%39.91%6.58%14.03%7.18%-2.38%2.71%-387 bps
Net Interest Margin4.48%4.53%4.43%4.08%4.25%4.13%3.76%1.84%-224 bps
Efficiency Ratio84.60%86.05%65.88%91.25%84.05%88.75%102.43%85.67%-559 bps
Non-Interest Burden2.60%2.79%-1.33%3.18%2.40%2.95%4.00%1.18%-201 bps
Growth
Asset Growth (YoY)24.31%18.50%12.90%13.78%7.63%7.86%6.00%30.55%+1,677 bps
Loan Growth (YoY)26.32%18.82%2.82%5.32%4.72%5.22%19.16%17.03%+1,170 bps
Deposit Growth (YoY)22.32%24.67%24.34%22.22%2.91%3.68%6.82%10.48%-1,174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.21%0.16%0.38%0.12%0.03%0.04%0.21%0.14%+2 bps
Allowance / Loans0.99%1.02%1.31%1.21%1.11%1.15%1.19%1.13%-8 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital12.63%12.69%14.46%13.85%13.36%13.12%13.22%9.95%-390 bps
Equity / Assets7.59%7.55%8.15%7.97%7.94%7.96%7.86%21.01%+1,304 bps
Liquidity & Funding
Loans / Deposits94.54%94.37%84.05%88.35%96.21%95.78%93.77%93.59%+523 bps
Liquid Assets / Assets0.09%0.17%0.05%0.70%0.10%0.11%0.07%0.35%-35 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a