Paragould, AR · Cert 33500
FDIC
Q4 2003
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 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.43% | -4.18% | -2.62% | -2.40% | -2.58% | -1.86% | -1.22% | -0.77% | +164 bps | |
| Return on Equity | -39.54% | -63.57% | -38.19% | -34.32% | -33.29% | -24.85% | -16.73% | -10.61% | +2,371 bps | |
| Net Interest Margin | 2.66% | 2.64% | 2.76% | 2.51% | 1.73% | 1.99% | 2.28% | 2.41% | -9 bps | |
| Efficiency Ratio | 74.27% | 71.54% | 73.93% | 86.03% | 136.21% | 120.71% | 112.02% | 100.11% | +1,408 bps | |
| Non-Interest Burden | 1.82% | 1.53% | 1.75% | 2.01% | 2.57% | 2.58% | 2.66% | 2.42% | +40 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% | 9.14% | 7.83% | 7.47% | 2.50% | 8.81% | 5.89% | 4.68% | -279 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 |