Nashville, AR · Cert 21746
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 | 1.37% | 1.46% | 1.49% | 1.40% | 1.54% | 1.67% | 1.20% | 1.68% | +29 bps | |
| Return on Equity | 9.20% | 9.82% | 10.14% | 9.48% | 9.78% | 10.31% | 7.27% | 9.84% | +35 bps | |
| Net Interest Margin | 3.61% | 3.73% | 3.72% | 3.77% | 3.73% | 4.15% | 3.97% | 3.71% | -6 bps | |
| Efficiency Ratio | 52.04% | 46.56% | 45.86% | 46.35% | 49.45% | 41.71% | 42.16% | 46.82% | +47 bps | |
| Non-Interest Burden | 1.53% | 1.35% | 1.33% | 1.31% | 1.41% | 1.30% | 1.20% | 1.34% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.36% | 2.19% | 8.89% | 8.52% | -0.76% | -2.03% | -7.84% | -4.72% | -1,324 bps | |
| Loan Growth (YoY) | 2.41% | 0.07% | -4.08% | -9.52% | -12.49% | -12.33% | -11.49% | -14.99% | -548 bps | |
| Deposit Growth (YoY) | 3.34% | 0.76% | 6.78% | 7.09% | -2.71% | -5.14% | -7.09% | -5.65% | -1,273 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 | 0.03% | 0.12% | 0.16% | 0.84% | -0.08% | 2.19% | 2.45% | 0.02% | -82 bps | |
| Allowance / Loans | 1.07% | 1.13% | 1.21% | 1.33% | 1.39% | 1.06% | 0.99% | 1.11% | -22 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 | 28.88% | 29.71% | 29.98% | 32.40% | 33.93% | 33.48% | 34.65% | 38.22% | +582 bps | |
| Equity / Assets | 14.69% | 14.98% | 14.36% | 15.13% | 16.37% | 15.98% | 17.05% | 17.18% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.27% | 59.47% | 57.80% | 53.21% | 54.21% | 54.96% | 55.06% | 47.93% | -527 bps | |
| Liquid Assets / Assets | 0.39% | 0.39% | 0.35% | 0.36% | 0.38% | 0.38% | 0.38% | 0.39% | +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 |