Gillett, AR · Cert 19722
FDIC
Q2 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.68% | 0.47% | -0.42% | -0.39% | -0.10% | -2.21% | -0.73% | -0.06% | +34 bps | |
| Return on Equity | 3.03% | 2.20% | -1.99% | -1.87% | -0.47% | -10.81% | -3.60% | -0.28% | +159 bps | |
| Net Interest Margin | 3.60% | 3.06% | 2.51% | 2.73% | 3.04% | 2.57% | 2.40% | 2.45% | -28 bps | |
| Efficiency Ratio | 73.53% | 72.46% | 115.46% | 115.25% | 102.38% | 142.31% | 122.11% | 97.50% | -1,775 bps | |
| Non-Interest Burden | 2.63% | 1.84% | 3.07% | 3.34% | 3.24% | 3.93% | 3.12% | 2.51% | -83 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | 13.86% | 10.75% | 9.44% | 4.95% | 2.30% | -2.88% | -6.69% | -1,613 bps | |
| Loan Growth (YoY) | 2.14% | 0.09% | -1.58% | -3.44% | -5.37% | -11.96% | -23.74% | -24.32% | -2,088 bps | |
| Deposit Growth (YoY) | 0.10% | 13.89% | 14.14% | 12.13% | 11.56% | 4.05% | -2.87% | -8.29% | -2,042 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 | 0.03% | -0.03% | 0.03% | 0.00% | 0.06% | 0.80% | -0.04% | 0.08% | +8 bps | |
| Allowance / Loans | 0.97% | 1.15% | 1.11% | 1.07% | 1.01% | 1.74% | 1.97% | 1.88% | +82 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 | 20.52% | 21.66% | 21.01% | 19.57% | 18.43% | 19.51% | 20.23% | 20.08% | +51 bps | |
| Equity / Assets | 22.09% | 21.17% | 21.05% | 21.12% | 21.11% | 19.80% | 20.79% | 21.95% | +83 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.98% | 56.34% | 57.93% | 61.18% | 63.60% | 47.67% | 45.48% | 50.49% | -1,069 bps | |
| Liquid Assets / Assets | 0.11% | 0.06% | 0.19% | 0.15% | 0.10% | 0.05% | 0.18% | 0.14% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |