PackageTrendsPeer
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Arkansas State Bank

Siloam Springs, AR · Cert 18277

FDIC

Q2 2005

$247.5MAssets
$165.8MLoans
$199.4MDeposits
$32.4MEquity
Loan mix
71%RE $50.9M28%C&I $19.7M1%Consumer $0.8MQ3 2003Q2 2005
Deposit mix
91%Interest-bearing $182.1M9%Noninterest $17.3MQ3 2003Q2 2005

Executive Summary

  • Earnings: ROA of 0.04%, down 47 bps year over year; NIM at 2.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.66%.
  • Funding: loans stand at 83.13% of deposits as of Q2 2005.

Return on Assets (YTD, annualized)

0.04%-47 bps YoY

Net Interest Margin (YTD, annualized)

2.56%-42 bps YoY

Efficiency Ratio (YTD, annualized)

86.22%+1,078 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.26%Q2 ’034.88%Q2 ’044.51%Q2 ’05-6%-14%

Non-interest income vs. expense

2.80%Q2 ’032.87%Q2 ’043.27%Q2 ’05+13%+3%

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.60%0.48%0.48%0.51%0.51%-0.27%0.00%10.04%-47 bps
Return on Equity3.58%2.88%3.10%3.32%3.36%-1.76%0.03%0.30%-302 bps
Net Interest Margin3.20%3.21%2.98%2.98%2.90%0.75%2.84%2.56%-42 bps
Efficiency Ratio66.57%67.00%77.39%75.44%75.27%97.15%87.85%86.22%+1,078 bps
Non-Interest Burden1.80%1.82%2.13%2.04%1.97%0.74%2.41%2.11%+7 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%1.66%0.18%0.24%-0.22%0.32%-0.33%0.66%+42 bps
Allowance / Loans2.83%1.69%1.76%1.82%2.21%4.88%4.35%3.59%+177 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 Capital17.07%16.47%16.33%15.96%15.90%13.26%11.62%10.09%-587 bps
Equity / Assets16.03%15.64%15.56%14.74%15.02%16.55%14.41%13.10%-163 bps
Liquidity & Funding
Loans / Deposits79.73%75.53%74.85%72.62%72.56%81.42%91.52%83.13%+1,050 bps
Liquid Assets / Assets0.03%0.02%0.02%0.02%0.02%0.02%0.05%0.04%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a