Helena, AR · Charter 24590
Q4 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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.88% | 0.52% | 0.33% | 1.02% | -0.87% | -2.52% | -4.30% | -3.23% | -425 bps | |
| Return on Equity | 39.95% | 11.11% | 7.17% | 20.39% | -17.82% | -65.38% | -161.92% | -121.44% | -14,184 bps | |
| Net Interest Margin | 9.61% | 9.04% | 8.31% | 8.41% | 9.02% | 8.05% | 9.72% | 7.29% | -113 bps | |
| Efficiency Ratio | 93.49% | 94.99% | 96.55% | 89.87% | 109.06% | 127.77% | 123.94% | 123.94% | +3,407 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.67% | -9.58% | -7.20% | 3.50% | 3.63% | 3.45% | -10.87% | -15.19% | -1,870 bps | |
| Loan Growth (YoY) | -33.70% | -17.25% | -12.13% | -4.00% | 5.13% | 0.41% | -35.99% | -36.28% | -3,228 bps | |
| Share Growth (YoY) | -12.12% | -8.97% | -5.87% | 4.22% | 4.25% | 3.97% | -9.80% | -13.61% | -1,782 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 19.57% | 19.67% | 19.55% | 25.69% | 18.30% | 22.04% | 25.96% | 25.96% | +27 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 | 9.87% | 12.93% | 12.10% | 10.25% | 11.83% | 12.47% | 9.50% | 9.50% | -75 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 4.71% | 4.70% | 4.66% | 4.99% | 4.90% | 3.85% | 2.66% | 2.66% | -233 bps | |
| Net Worth / Assets | 4.71% | 4.70% | 4.66% | 4.99% | 4.90% | 3.85% | 2.66% | 2.66% | -233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.28% | 51.90% | 58.04% | 55.84% | 52.72% | 50.12% | 41.19% | 41.19% | -1,466 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |