Malvern, AR · Cert 33456
FDIC
Q4 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2007, the quarter ended December 31, 2007, 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.
Malvern, AR · Cert 33456
FDIC
Q4 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.76% | 0.77% | 0.76% | 0.89% | 0.86% | 0.88% | 0.16% | -60 bps | |
| Return on Equity | 8.90% | 9.76% | 9.86% | 9.66% | 10.43% | 10.00% | 10.08% | 1.58% | -807 bps | |
| Net Interest Margin | 3.19% | 3.25% | 3.28% | 3.28% | 3.38% | 3.55% | 3.49% | 0.16% | -312 bps | |
| Efficiency Ratio | 72.19% | 70.74% | 70.76% | 71.29% | 69.83% | 70.27% | 70.16% | 45.03% | -2,626 bps | |
| Non-Interest Burden | 2.15% | 2.14% | 2.16% | 2.18% | 2.19% | 2.32% | 2.28% | 0.06% | -212 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.57% | 10.81% | 4.66% | 4.90% | -0.59% | -5.84% | -5.76% | 5.77% | +87 bps | |
| Loan Growth (YoY) | 5.24% | 9.95% | 11.41% | 12.57% | 13.72% | -0.94% | -0.65% | 11.21% | -136 bps | |
| Deposit Growth (YoY) | 8.89% | 14.13% | 16.20% | 10.11% | 4.40% | -5.47% | -9.18% | 5.94% | -417 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 | 0.02% | 0.00% | 0.05% | 0.06% | 0.04% | 0.03% | 0.12% | 0.00% | -6 bps | |
| Allowance / Loans | 1.78% | 1.66% | 1.59% | 1.64% | 1.62% | 1.72% | 1.60% | 1.46% | -18 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 | 13.16% | 12.03% | 12.34% | 12.73% | 13.01% | 13.53% | 13.66% | 11.45% | -128 bps | |
| Equity / Assets | 7.90% | 7.49% | 7.86% | 8.26% | 8.77% | 8.70% | 9.13% | 15.97% | +771 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 74.27% | 75.66% | 77.08% | 80.44% | 80.90% | 79.28% | 84.33% | 84.45% | +400 bps | |
| Liquid Assets / Assets | 3.60% | 3.28% | 3.50% | 3.11% | 3.07% | 2.82% | 2.52% | 0.53% | -258 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |