Paragould, AR · Cert 33500
FDIC
Q4 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.43% | -6.03% | 0.65% | -1.73% | -2.58% | -1.08% | 0.16% | 0.68% | +240 bps | |
| Return on Equity | -39.54% | -89.86% | 8.50% | -22.43% | -33.29% | -14.55% | 2.34% | 10.00% | +3,243 bps | |
| Net Interest Margin | 2.66% | 2.45% | 2.85% | 1.71% | 1.73% | 2.14% | 2.63% | 2.90% | +119 bps | |
| Efficiency Ratio | 74.27% | 69.34% | 79.32% | 143.42% | 136.21% | 108.61% | 97.26% | 73.32% | -7,010 bps | |
| Non-Interest Burden | 1.82% | 1.12% | 2.12% | 2.78% | 2.57% | 2.41% | 2.54% | 1.78% | -99 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.52% | -14.71% | -12.87% | -12.20% | -12.76% | -17.21% | -17.41% | -14.00% | -180 bps | |
| Loan Growth (YoY) | -27.80% | -32.46% | -33.64% | -32.42% | -29.29% | -27.52% | -16.42% | -9.15% | +2,327 bps | |
| Deposit Growth (YoY) | -12.60% | -14.90% | -14.10% | -13.20% | -12.25% | -11.44% | -10.92% | -7.07% | +613 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 | 2.10% | 15.97% | 4.15% | 3.64% | 2.50% | 14.94% | 1.51% | 0.56% | -308 bps | |
| Allowance / Loans | 4.99% | 5.77% | 5.07% | 5.29% | 6.69% | 4.05% | 3.47% | 3.42% | -186 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 | 9.80% | 12.08% | 12.62% | 12.77% | 13.24% | 11.60% | 10.85% | 11.46% | -131 bps | |
| Equity / Assets | 5.98% | 7.47% | 7.81% | 7.58% | 7.90% | 6.89% | 6.70% | 6.85% | -73 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.71% | 81.71% | 79.58% | 71.97% | 69.88% | 66.87% | 74.67% | 70.36% | -161 bps | |
| Liquid Assets / Assets | 0.10% | 0.10% | 0.11% | 0.25% | 0.12% | 0.13% | 0.13% | 0.12% | -13 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |