Dierks, AR · Cert 20365
FDIC
Q4 2004
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 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.25% | 1.34% | 1.42% | 1.23% | 1.28% | 1.02% | 1.03% | 1.08% | -16 bps | |
| Return on Equity | 7.44% | 7.93% | 8.44% | 7.33% | 7.40% | 5.96% | 5.95% | 6.16% | -116 bps | |
| Net Interest Margin | 3.64% | 3.85% | 3.86% | 3.85% | 3.91% | 3.95% | 3.98% | 3.92% | +8 bps | |
| Efficiency Ratio | 52.33% | 48.75% | 47.23% | 54.73% | 48.80% | 55.53% | 53.12% | 52.24% | -249 bps | |
| Non-Interest Burden | 1.69% | 1.68% | 1.62% | 1.94% | 1.72% | 2.04% | 1.96% | 1.89% | -5 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% | 0.64% | 0.47% | 0.42% | 0.02% | 0.32% | 0.29% | 0.23% | -19 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 |