Gillett, AR · Cert 19722
FDIC
Q2 2010
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.73% | 0.66% | -0.42% | -0.41% | -0.30% | -0.78% | -0.73% | -0.40% | 0 bps | |
| Return on Equity | 3.18% | 2.93% | -1.99% | -1.93% | -1.44% | -3.76% | -3.60% | -1.94% | -1 bps | |
| Net Interest Margin | 3.31% | 3.16% | 2.51% | 2.63% | 2.77% | 2.70% | 2.40% | 2.47% | -16 bps | |
| Efficiency Ratio | 73.01% | 72.84% | 115.46% | 115.35% | 110.56% | 117.98% | 122.11% | 109.77% | -557 bps | |
| Non-Interest Burden | 2.41% | 2.21% | 3.07% | 3.21% | 3.22% | 3.38% | 3.12% | 2.87% | -34 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 | 0.08% | 0.07% | 0.03% | 0.02% | 0.03% | 0.23% | -0.04% | 0.02% | +1 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 |