Ashdown, AR · Cert 20360
FDIC
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Ashdown, AR · Cert 20360
FDIC
Q4 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 0.78% | 0.40% | 0.23% | 1.02% | 1.08% | 1.09% | 1.06% | +82 bps | |
| Return on Equity | 14.17% | 5.73% | 2.91% | 1.69% | 9.12% | 10.06% | 10.31% | 10.00% | +831 bps | |
| Net Interest Margin | 4.51% | 4.56% | 4.81% | 4.55% | 3.79% | 4.18% | 4.34% | 3.95% | -60 bps | |
| Efficiency Ratio | 41.54% | 42.11% | 47.55% | 49.50% | 55.78% | 56.60% | 57.75% | 59.25% | +975 bps | |
| Non-Interest Burden | 1.33% | 1.44% | 2.01% | 2.02% | 1.97% | 2.24% | 2.38% | 2.23% | +21 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.76% | 3.19% | -2.00% | -5.44% | -7.68% | -18.99% | -19.41% | -18.90% | -1,345 bps | |
| Loan Growth (YoY) | 5.00% | 6.17% | 1.29% | -14.49% | -27.77% | -37.59% | -41.40% | -36.95% | -2,246 bps | |
| Deposit Growth (YoY) | 3.81% | 2.09% | 2.62% | -2.38% | -8.15% | -15.34% | -15.58% | -17.52% | -1,514 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 | 0.05% | 0.29% | 1.90% | 1.90% | 3.02% | 1.78% | 1.38% | 1.24% | -66 bps | |
| Allowance / Loans | 1.07% | 2.37% | 2.20% | 3.39% | 3.38% | 3.84% | 4.24% | 4.32% | +92 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 | 20.35% | 20.97% | 22.73% | 23.09% | 15.39% | 18.04% | 19.58% | 20.65% | -244 bps | |
| Equity / Assets | 14.10% | 13.71% | 13.85% | 14.03% | 8.17% | 9.84% | 10.06% | 10.32% | -371 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.34% | 79.98% | 75.60% | 68.59% | 61.61% | 58.96% | 52.47% | 52.44% | -1,616 bps | |
| Liquid Assets / Assets | 0.06% | 0.06% | 0.06% | 0.06% | 0.07% | 0.08% | 0.08% | 0.08% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |