Siloam Springs, AR · Cert 18277
FDIC
Q2 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.32% | 0.12%1 | 0.48% | 0.53% | 0.52% | -2.48% | 0.00%1 | 0.08% | -46 bps | |
| Return on Equity | -1.97% | 0.75% | 3.10% | 3.52% | 3.49% | -15.71% | 0.03% | 0.57% | -296 bps | |
| Net Interest Margin | 3.32% | 3.26% | 2.98% | 3.01% | 2.99% | -5.71% | 2.84% | 2.65% | -36 bps | |
| Efficiency Ratio | 65.58% | 68.25% | 77.39% | 73.58% | 74.96% | 99.29% | 87.85% | 84.73% | +1,114 bps | |
| Non-Interest Burden | 1.83% | 1.89% | 2.13% | 1.98% | 1.98% | -2.94% | 2.41% | 2.12% | +15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 18.30% | 14.82% | 12.28% | 5.96% | 8.87% | 13.94% | 29.05% | 44.92% | +3,896 bps | |
| Loan Growth (YoY) | 22.43% | 9.78% | 8.38% | 2.99% | 0.42% | 19.46% | 39.61% | 57.37% | +5,438 bps | |
| Deposit Growth (YoY) | 22.67% | 18.15% | 14.52% | 8.00% | 10.35% | 10.82% | 14.17% | 37.48% | +2,948 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 | -0.96% | 6.60% | 0.18% | 0.31% | -1.14% | 1.84% | -0.33% | 1.62% | +131 bps | |
| Allowance / Loans | 2.83% | 1.69% | 1.76% | 1.82% | 2.21% | 4.88% | 4.35% | 3.59% | +177 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 | 17.07% | 16.47% | 16.33% | 15.96% | 15.90% | 13.26% | 11.62% | 10.09% | -587 bps | |
| Equity / Assets | 16.03% | 15.64% | 15.56% | 14.74% | 15.02% | 16.55% | 14.41% | 13.10% | -163 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.73% | 75.53% | 74.85% | 72.62% | 72.56% | 81.42% | 91.52% | 83.13% | +1,050 bps | |
| Liquid Assets / Assets | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% | 0.02% | 0.05% | 0.04% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |