Dierks, AR · Cert 20365
FDIC
Q4 2004
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.44% | 1.59% | 0.68% | 1.28% | 0.77% | 1.04% | 1.21% | +53 bps | |
| Return on Equity | 7.44% | 8.41% | 9.40% | 4.06% | 7.40% | 4.45% | 6.01% | 6.77% | +270 bps | |
| Net Interest Margin | 3.64% | 4.04% | 4.07% | 3.99% | 3.91% | 4.01% | 3.94% | 3.82% | -17 bps | |
| Efficiency Ratio | 52.33% | 45.39% | 44.42% | 76.54% | 48.80% | 62.12% | 48.17% | 49.50% | -2,704 bps | |
| Non-Interest Burden | 1.69% | 1.65% | 1.60% | 2.98% | 1.72% | 2.37% | 1.74% | 1.73% | -125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.21% | -2.44% | -0.47% | 2.51% | 3.94% | 3.44% | -0.95% | -2.00% | -451 bps | |
| Loan Growth (YoY) | -9.52% | -10.42% | -13.85% | -12.35% | -11.65% | -6.27% | -6.21% | -10.89% | +146 bps | |
| Deposit Growth (YoY) | -2.33% | -4.59% | -4.93% | 1.98% | 3.15% | 2.04% | 0.98% | -3.54% | -552 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 | 1.21% | 0.04% | 0.08% | 0.24% | 0.02% | 0.62% | 0.21% | 0.00% | -24 bps | |
| Allowance / Loans | 1.09% | 1.18% | 1.21% | 1.18% | 1.32% | 1.38% | 1.67% | 1.99% | +81 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 | 28.52% | 29.38% | 30.36% | 31.53% | 32.96% | 31.95% | 33.37% | 35.88% | +435 bps | |
| Equity / Assets | 17.08% | 17.21% | 16.53% | 16.90% | 17.70% | 16.78% | 17.72% | 18.17% | +126 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 71.38% | 68.48% | 64.66% | 61.81% | 61.14% | 62.90% | 60.06% | 57.10% | -471 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.03% | 0.02% | +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 |