Siloam Spring, AR · Charter 22995
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Siloam Spring, AR · Charter 22995
Q2 2009
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | -0.75% | -1.25% | -1.10% | -0.63% | 0.13% | 1.37% | -8.69% | -759 bps | |
| Return on Equity | 0.48% | -1.63% | -2.73% | -2.38% | -1.37% | 0.25% | 2.44% | -11.93% | -956 bps | |
| Net Interest Margin | 5.10% | 5.36% | 3.55% | 3.74% | 3.82% | 4.20% | 4.47% | -5.68% | -943 bps | |
| Efficiency Ratio | 90.49% | 96.99% | 134.27% | 128.67% | 116.06% | 97.05% | 23.33% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -21.47% | -26.45% | -23.45% | -17.72% | -11.29% | -10.06% | -17.03% | -39.11% | -2,138 bps | |
| Loan Growth (YoY) | -29.18% | -27.74% | -24.16% | -29.99% | -28.50% | -30.58% | -43.75% | -45.17% | -1,518 bps | |
| Share Growth (YoY) | -32.73% | -39.69% | -35.50% | -27.48% | -17.49% | -19.45% | -34.61% | -71.65% | -4,417 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.95% | 3.08% | 2.71% | 3.46% | 5.37% | 5.80% | 10.91% | 12.02% | +856 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.23% | 2.90% | 3.63% | 3.11% | 3.32% | 3.79% | 4.90% | 5.68% | +257 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 42.39% | 45.81% | 45.90% | 46.47% | 46.34% | 50.92% | 56.03% | 72.84% | +2,638 bps | |
| Net Worth / Assets | 42.39% | 45.81% | 45.90% | 46.47% | 46.34% | 50.92% | 56.03% | 72.84% | +2,638 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.22% | 68.01% | 65.18% | 59.54% | 55.66% | 58.61% | 56.06% | 115.13% | +5,560 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |