Malvern, AR · Cert 33456
FDIC
Q4 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| 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% | 0.81% | 0.78% | 0.73% | 0.89% | 0.83% | 0.92% | -1.90% | -263 bps | |
| Return on Equity | 8.90% | 10.60% | 10.15% | 9.08% | 10.43% | 9.53% | 10.34% | -14.95% | -2,403 bps | |
| Net Interest Margin | 3.19% | 3.41% | 3.45% | 3.23% | 3.38% | 3.57% | 3.57% | -9.68% | -1,291 bps | |
| Efficiency Ratio | 72.19% | 69.43% | 70.78% | 72.93% | 69.83% | 70.72% | 69.93% | 45.03% | -2,790 bps | |
| Non-Interest Burden | 2.15% | 2.19% | 2.27% | 2.21% | 2.19% | 2.35% | 2.33% | -6.50% | -870 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% | -0.01% | 0.15% | 0.10% | 0.04% | 0.02% | 0.31% | -0.34% | -44 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 |