Heber Springs, AR · Cert 33471
FDIC
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, 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.
Heber Springs, AR · Cert 33471
FDIC
Q2 2008
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 0.94% | 1.25% | 1.08% | 0.83% | 0.98% | 0.86% | 0.91% | -16 bps | |
| Return on Equity | 12.15% | 11.55% | 15.28% | 13.04% | 9.98% | 11.80% | 10.48% | 11.30% | -174 bps | |
| Net Interest Margin | 3.29% | 3.16% | 3.03% | 2.91% | 3.00% | 3.02% | 2.69% | 2.50% | -41 bps | |
| Efficiency Ratio | 61.46% | 62.34% | 64.82% | 66.24% | 67.23% | 66.18% | 70.94% | 68.43% | +219 bps | |
| Non-Interest Burden | 1.55% | 1.53% | 1.55% | 1.55% | 1.65% | 1.62% | 1.63% | 1.43% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.21% | 7.34% | 3.11% | 2.81% | 3.57% | -0.08% | 10.10% | 13.07% | +1,026 bps | |
| Loan Growth (YoY) | -5.72% | -10.61% | -14.30% | -12.73% | -8.28% | -8.28% | -0.97% | -2.87% | +985 bps | |
| Deposit Growth (YoY) | 4.52% | 8.91% | 6.59% | 11.92% | 3.78% | -0.55% | 11.39% | 13.99% | +207 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 | 0.08% | 0.05% | 1.43% | 0.71% | 0.50% | 0.62% | 0.06% | -0.08% | -79 bps | |
| Allowance / Loans | 1.50% | 1.58% | 1.30% | 1.29% | 1.33% | 1.17% | 1.12% | 1.20% | -9 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 | 15.67% | 16.20% | 16.80% | 16.45% | 16.29% | 16.33% | 15.93% | 15.95% | -50 bps | |
| Equity / Assets | 8.28% | 8.04% | 8.35% | 8.36% | 8.39% | 8.41% | 8.04% | 7.87% | -49 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.02% | 55.34% | 53.44% | 55.23% | 54.81% | 51.04% | 47.51% | 47.06% | -817 bps | |
| Liquid Assets / Assets | 1.70% | 7.22% | 13.02% | 17.96% | 19.84% | 25.57% | 34.26% | 37.88% | +1,992 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |