Fayetteville, AR · Cert 33482
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 | 1.03% | 1.28% | 1.15% | 1.20% | 1.39% | 0.56% | 0.40% | 0.40% | -80 bps | |
| Return on Equity | 9.26% | 11.91% | 10.67% | 10.46% | 9.01% | 3.91% | 3.00% | 3.02% | -743 bps | |
| Net Interest Margin | 4.47% | 4.19% | 4.08% | 4.40% | 4.31% | 3.99% | 3.06% | 2.93% | -147 bps | |
| Efficiency Ratio | 28.78% | 33.35% | 36.22% | 39.26% | 48.41% | 59.07% | 62.40% | 60.48% | +2,122 bps | |
| Non-Interest Burden | 0.02% | 0.50% | 0.74% | 0.83% | 1.37% | 1.88% | 1.45% | 1.30% | +47 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.53% | 3.74% | 3.30% | -20.07% | -19.22% | -13.60% | 0.98% | 24.56% | +4,462 bps | |
| Loan Growth (YoY) | -1.03% | -14.30% | -15.83% | -21.21% | -24.86% | -27.33% | -27.71% | -27.82% | -661 bps | |
| Deposit Growth (YoY) | 177.90% | 196.71% | 165.54% | 33.51% | -19.56% | -4.31% | 12.82% | 40.74% | +723 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 | 1.53% | 1.49% | 1.49% | 1.74% | 2.60% | 3.24% | 2.77% | 2.68% | +95 bps | |
| Allowance / Loans | 2.45% | 2.38% | 2.61% | 2.68% | 2.50% | 2.32% | 2.73% | 3.04% | +36 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 | 12.52% | 13.04% | 13.92% | 16.13% | 17.59% | 17.12% | 16.75% | 18.18% | +205 bps | |
| Equity / Assets | 11.46% | 10.13% | 10.93% | 15.06% | 15.78% | 12.55% | 11.37% | 12.50% | -256 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 111.48% | 96.23% | 94.25% | 119.14% | 104.14% | 73.09% | 60.39% | 61.10% | -5,804 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |