College Station, AR · Charter 18583
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.51% | -2.52% | -2.75% | -0.14% | -1.75% | -2.92% | -2.45% | +30 bps | |
| Return on Equity | 3.07% | 4.28% | -23.90% | -25.16% | -1.08% | -17.68% | -33.23% | -29.17% | -401 bps | |
| Net Interest Margin | 3.34% | 1.60% | 2.55% | 2.54% | 2.12% | 2.08% | 1.08% | 0.84% | -170 bps | |
| Efficiency Ratio | 92.01% | 81.94% | 94.06% | 120.95% | 77.11% | 149.85% | 225% | 220% | +9,860 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.97% | -6.25% | 1.00% | -8.47% | -7.25% | -8.47% | -6.27% | 1.15% | +962 bps | |
| Loan Growth (YoY) | -38.15% | -39.87% | -45.57% | -41.39% | -32.75% | -34.12% | -22.49% | -24.36% | +1,703 bps | |
| Share Growth (YoY) | 0.37% | -10.46% | 7.14% | -3.97% | -8.60% | -3.42% | -4.25% | 3.85% | +781 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 16.68% | 21.39% | 16.45% | 26.75% | 22.30% | 24.36% | 24.04% | 30.33% | +357 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.80% | 6.50% | 10.41% | 11.65% | 8.70% | 12.12% | 14.85% | 18.10% | +646 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.75% | 11.84% | 10.53% | 10.92% | 13.01% | 9.92% | 8.78% | 8.38% | -253 bps | |
| Net Worth / Assets | 11.75% | 11.84% | 10.53% | 10.92% | 13.01% | 9.92% | 8.78% | 8.38% | -253 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.62% | 30.59% | 23.22% | 23.19% | 24.74% | 20.86% | 18.80% | 16.89% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |