Little Rock, AR · Cert 19662
FDIC
Q4 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2011, the quarter ended December 31, 2011, 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.
Little Rock, AR · Cert 19662
FDIC
Q4 2011
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 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.86% | 0.83% | 0.81% | -0.03% | 0.85% | 0.86% | 0.90% | 0.88% | +91 bps | |
| Return on Equity | 10.15% | 9.57% | 9.05% | -0.30% | 9.71% | 9.58% | 9.67% | 9.38% | +968 bps | |
| Net Interest Margin | 3.52% | 3.39% | 3.40% | 3.45% | 3.37% | 3.35% | 3.40% | 3.36% | -9 bps | |
| Efficiency Ratio | 68.04% | 69.43% | 70.12% | 69.94% | 67.27% | 67.04% | 66.43% | 67.40% | -255 bps | |
| Non-Interest Burden | 2.26% | 2.23% | 2.27% | 2.29% | 2.15% | 2.13% | 2.15% | 2.15% | -14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.43% | 6.53% | 3.97% | 3.61% | 0.24% | 1.08% | 0.17% | 1.74% | -187 bps | |
| Loan Growth (YoY) | -4.89% | -3.62% | -6.57% | -10.08% | -5.49% | -3.47% | -4.73% | -2.59% | +750 bps | |
| Deposit Growth (YoY) | 7.32% | 6.31% | 3.52% | 1.92% | 0.23% | 1.16% | -0.24% | 2.66% | +74 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 | 0.53% | 0.26% | 0.24% | 2.93% | -0.07% | 0.09% | 0.05% | 0.14% | -278 bps | |
| Allowance / Loans | 1.41% | 1.45% | 1.46% | 1.46% | 1.55% | 1.53% | 1.62% | 1.60% | +14 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 | 14.86% | 15.58% | 16.05% | 16.29% | 16.51% | 16.64% | 17.49% | 17.86% | +158 bps | |
| Equity / Assets | 8.42% | 9.28% | 9.52% | 8.77% | 8.79% | 9.54% | 10.02% | 9.82% | +105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 53.89% | 56.18% | 55.62% | 53.14% | 50.81% | 53.62% | 53.12% | 50.42% | -271 bps | |
| Liquid Assets / Assets | 0.10% | 0.07% | 0.08% | 0.08% | 0.09% | 0.05% | 0.10% | 0.08% | +1 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |