Little Rock, AR · Cert 32960
FDIC
Q4 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2010, the quarter ended December 31, 2010, 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.
Little Rock, AR · Cert 32960
FDIC
Q4 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | Q4 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.56% | 1.24% | 1.16% | 1.10% | 2.02% | 1.72% | 1.62% | 1.43% | +33 bps | |
| Return on Equity | 13.58% | 9.64% | 8.90% | 8.42% | 15.02% | 12.54% | 11.56% | 10.13% | +171 bps | |
| Net Interest Margin | 1.90% | 2.00% | 3.18% | 2.76% | 2.22% | 2.39% | 2.65% | 2.54% | -22 bps | |
| Efficiency Ratio | 44.16% | 50.89% | 53.50% | 54.82% | 59.36% | 61.21% | 62.40% | 62.49% | +767 bps | |
| Non-Interest Burden | 0.33% | 0.48% | 0.85% | 0.75% | 0.44% | 0.61% | 0.65% | 0.62% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 53.69% | 3.58% | -15.93% | -9.12% | -27.53% | -3.01% | 0.62% | -1.58% | +754 bps | |
| Loan Growth (YoY) | 37.79% | -15.01% | 4.90% | -7.47% | -1.78% | 2.42% | 6.25% | -5.75% | +172 bps | |
| Deposit Growth (YoY) | 70.50% | -1.95% | -16.57% | -14.27% | -34.93% | 3.41% | 3.83% | 0.83% | +1,511 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 | 0.00% | 3.48% | 2.36% | 2.69% | -0.25% | -0.12% | -0.11% | -0.10% | -279 bps | |
| Allowance / Loans | 3.04% | 2.61% | 3.54% | 4.00% | 4.30% | 4.49% | 4.43% | 6.28% | +229 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 | 34.21% | 37.25% | 29.75% | 29.21% | 30.90% | 29.15% | 29.51% | 31.69% | +249 bps | |
| Equity / Assets | 11.60% | 15.94% | 13.74% | 13.43% | 13.52% | 14.20% | 14.89% | 14.51% | +107 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 20.75% | 31.55% | 31.85% | 31.11% | 31.32% | 31.25% | 32.60% | 29.07% | -203 bps | |
| Liquid Assets / Assets | 21.02% | 7.42% | 6.92% | 6.21% | 11.46% | 9.10% | 5.52% | 8.69% | +248 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |