Russellville, AR · Cert 18434
FDIC
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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.
Russellville, AR · Cert 18434
FDIC
Q3 2006
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 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.43% | 1.46% | 1.45% | 1.42% | 0.25% | 1.27% | 1.31% | 1.26% | -17 bps | |
| Return on Equity | 15.71% | 15.84% | 15.58% | 15.19% | 2.30% | 8.04% | 8.33% | 8.01% | -718 bps | |
| Net Interest Margin | 3.56% | 3.73% | 3.71% | 3.65% | 0.72% | 3.36% | 3.36% | 3.27% | -38 bps | |
| Efficiency Ratio | 49.67% | 47.30% | 48.43% | 49.08% | 56.04% | 49.12% | 50.73% | 52.73% | +365 bps | |
| Non-Interest Burden | 1.39% | 1.38% | 1.40% | 1.40% | 0.33% | 1.32% | 1.36% | 1.39% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.53% | 15.40% | 10.31% | 9.29% | 19.46% | 16.85% | 17.78% | 19.33% | +1,004 bps | |
| Loan Growth (YoY) | 20.21% | 19.03% | 11.74% | 7.54% | 2.26% | -5.08% | 0.62% | 7.87% | +33 bps | |
| Deposit Growth (YoY) | 19.02% | 15.33% | 16.35% | 12.09% | 14.73% | 14.47% | 18.00% | 22.06% | +997 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 | 0.17% | 0.06% | 0.08% | 0.51% | 0.14% | -0.38% | -0.13% | -0.07% | -58 bps | |
| Allowance / Loans | 1.76% | 1.72% | 1.76% | 1.51% | 1.45% | 1.64% | 1.52% | 1.44% | -7 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 | 11.66% | 11.59% | 11.94% | 12.42% | 12.19% | 12.62% | 12.59% | 12.48% | +6 bps | |
| Equity / Assets | 9.23% | 9.27% | 9.48% | 9.53% | 15.72% | 15.82% | 15.77% | 15.42% | +589 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.09% | 94.14% | 92.74% | 87.40% | 82.08% | 78.06% | 79.08% | 77.24% | -1,016 bps | |
| Liquid Assets / Assets | 23.63% | 22.86% | 23.29% | 24.86% | 24.24% | 25.10% | 24.69% | 23.06% | -180 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |