Corning, AR · Cert 25234
FDIC
Q3 2002
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 1.84% | 1.86% | 1.41% | 1.58% | 1.74% | 1.85% | -1 bps | |
| Return on Equity | n/a | n/a | 11.93% | 11.81% | 9.11% | 10.29% | 11.17% | 11.42% | -40 bps | |
| Net Interest Margin | n/a | 4.06% | 4.18% | 4.59% | 4.25% | 4.07% | 4.30% | 4.52% | -7 bps | |
| Efficiency Ratio | n/a | 46.73% | 42.63% | 39.50% | 48.49% | 42.94% | 40.32% | 38.76% | -75 bps | |
| Non-Interest Burden | n/a | 1.70% | 1.53% | 1.58% | 1.84% | 1.53% | 1.47% | 1.47% | -10 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% | 0.04% | 0.05% | 0.03% | 0.25% | 0.12% | 0.04% | -2 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 |