Lockesburg, AR · Cert 26268
FDIC
Q4 2006
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.42% | -0.63% | -0.20% | -1.48% | -0.16% | -0.48% | -0.03% | 0.35% | +183 bps | |
| Return on Equity | -4.32% | -6.03% | -1.89% | -13.90% | -1.52% | -4.70% | -0.34% | 3.42% | +1,733 bps | |
| Net Interest Margin | 2.17% | 2.45% | 2.62% | 2.44% | 2.39% | 2.45% | 2.79% | 2.74% | +30 bps | |
| Efficiency Ratio | 113.91% | 119.82% | 105.40% | 119.03% | 104.14% | 115.29% | 100.29% | 88.20% | -3,083 bps | |
| Non-Interest Burden | 2.57% | 3.05% | 2.79% | 3.03% | 2.53% | 2.90% | 2.80% | 2.37% | -66 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 32.61% | 28.46% | 15.29% | 1.44% | 6.67% | 1.42% | 2.89% | 2.28% | +84 bps | |
| Loan Growth (YoY) | 20.42% | 16.36% | 27.29% | 19.35% | 18.13% | 5.53% | 5.06% | 7.56% | -1,179 bps | |
| Deposit Growth (YoY) | 34.75% | 37.70% | 26.32% | 1.34% | 11.27% | 10.99% | -7.33% | -12.95% | -1,429 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 | 0.11% | 0.28% | 0.46% | 0.86% | 0.00% | -0.09% | 0.61% | 0.43% | -42 bps | |
| Allowance / Loans | 1.19% | 0.93% | 0.75% | 1.05% | 1.04% | 1.00% | 0.79% | 0.76% | -28 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 | 17.03% | 17.76% | 16.55% | 17.95% | 17.65% | 16.43% | 15.29% | 16.98% | -97 bps | |
| Equity / Assets | 9.70% | 11.01% | 10.50% | 10.81% | 10.57% | 9.91% | 9.62% | 10.75% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.39% | 82.48% | 80.25% | 80.38% | 77.92% | 78.42% | 90.99% | 99.32% | +1,894 bps | |
| Liquid Assets / Assets | 1.48% | 1.23% | 1.04% | 1.00% | 0.84% | 0.79% | 0.10% | 0.74% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |