Ashdown, AR · Cert 20360
FDIC
Q4 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | -0.39% | -0.37% | -0.28% | 1.02% | 1.14% | 1.15% | 0.94% | +122 bps | |
| Return on Equity | 14.17% | -2.77% | -2.71% | -2.00% | 9.12% | 12.73% | 11.56% | 9.26% | +1,126 bps | |
| Net Interest Margin | 4.51% | 4.58% | 5.22% | 4.26% | 3.79% | 4.08% | 4.18% | 3.47% | -79 bps | |
| Efficiency Ratio | 41.54% | 42.70% | 58.94% | 56.14% | 55.78% | 57.48% | 60.17% | 64.56% | +842 bps | |
| Non-Interest Burden | 1.33% | 1.54% | 3.11% | 2.27% | 1.97% | 2.26% | 2.39% | 2.16% | -11 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% | 0.52% | 5.11% | 1.14% | 3.02% | 0.11% | 0.17% | 0.60% | -54 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 |