Hot Springs, AR · Cert 22391
FDIC
Q2 2007
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.88% | 1.04% | 1.12% | 1.17% | 1.20% | 1.18% | 1.12% | 1.17% | 0 bps | |
| Return on Equity | 5.36% | 5.97% | 5.69% | 5.99% | 6.17% | 6.11% | 6.00% | 6.30% | +32 bps | |
| Net Interest Margin | 1.95% | 2.44% | 3.62% | 3.64% | 3.66% | 3.66% | 3.58% | 3.55% | -9 bps | |
| Efficiency Ratio | 52.81% | 51.17% | 53.48% | 53.73% | 53.91% | 55.12% | 58.57% | 57.17% | +344 bps | |
| Non-Interest Burden | 0.88% | 1.06% | 1.73% | 1.73% | 1.75% | 1.79% | 1.88% | 1.79% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 120.50% | 119.26% | 113.94% | -0.37% | -1.22% | -0.60% | 7.26% | 7.47% | +785 bps | |
| Loan Growth (YoY) | 87.15% | 77.25% | 71.74% | -5.99% | -4.83% | 2.64% | 7.23% | 14.91% | +2,090 bps | |
| Deposit Growth (YoY) | 106.65% | 108.04% | 111.15% | 0.32% | 0.81% | 1.22% | 9.29% | 12.09% | +1,177 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% | 0.06% | -0.03% | -0.01% | -0.01% | 0.00% | 0.10% | 0.07% | +8 bps | |
| Allowance / Loans | 1.60% | 1.71% | 1.81% | 1.80% | 1.77% | 1.72% | 1.65% | 1.52% | -27 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 | 16.23% | 16.57% | 15.64% | 16.18% | 14.52% | 14.12% | 13.97% | 13.65% | -254 bps | |
| Equity / Assets | 19.79% | 20.01% | 19.25% | 19.41% | 18.92% | 19.06% | 18.19% | 18.36% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.14% | 86.98% | 85.13% | 85.98% | 87.93% | 88.20% | 83.52% | 88.14% | +216 bps | |
| Liquid Assets / Assets | 2.02% | 0.60% | 0.47% | 0.33% | 0.34% | 0.30% | 0.55% | 0.31% | -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 |