Corning, AR · Cert 25234
FDIC
Q3 2002
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2002, the quarter ended September 30, 2002, 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.
Corning, AR · Cert 25234
FDIC
Q3 2002
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 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.60% | 1.55% | 1.70% | 1.75% | 1.66% | 1.58% | 1.66% | 1.73% | -2 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 10.29% | 10.72% | 10.96% | n/a | |
| Net Interest Margin | n/a | 4.06% | 4.15% | 4.27% | 4.13% | 4.07% | 4.17% | 4.35% | +8 bps | |
| Efficiency Ratio | n/a | 46.73% | 44.65% | 42.82% | 44.28% | 42.94% | 41.59% | 40.60% | -222 bps | |
| Non-Interest Burden | n/a | 1.70% | 1.63% | 1.60% | 1.61% | 1.53% | 1.49% | 1.51% | -9 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.74% | 7.05% | 3.27% | 4.26% | 6.85% | 5.72% | 8.51% | 1.96% | -230 bps | |
| Loan Growth (YoY) | 8.55% | 8.20% | 10.98% | 9.06% | 8.37% | 12.34% | 7.53% | 9.45% | +40 bps | |
| Deposit Growth (YoY) | 5.26% | 6.32% | 3.19% | 3.16% | 6.76% | 5.82% | 8.76% | 1.12% | -204 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 | n/a | 0.03% | 0.03% | 0.04% | 0.04% | 0.25% | 0.17% | 0.12% | +8 bps | |
| Allowance / Loans | n/a | 1.33% | 1.16% | 1.19% | 1.33% | 1.32% | 1.20% | 1.21% | +2 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 | n/a | 22.91% | 21.07% | 21.73% | 22.48% | 22.88% | 21.68% | 21.95% | +22 bps | |
| Equity / Assets | n/a | 15.12% | 15.75% | 15.80% | 15.21% | 15.42% | 15.74% | 16.73% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 77.49% | 74.26% | 88.08% | 85.64% | 78.66% | 78.83% | 87.08% | 92.69% | +705 bps | |
| Liquid Assets / Assets | 0.00% | 6.83% | 4.50% | 6.72% | 1.95% | 1.88% | 1.85% | 0.67% | -605 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |