Conway, AR · Cert 33502
FDIC
Q3 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.14% | 1.03% | 1.02% | 1.00% | 0.97% | 1.03% | 1.03% | 1.00% | 0 bps | |
| Return on Equity | 15.72% | 13.91% | 13.65% | 13.12% | 12.59% | 13.27% | 13.54% | 13.22% | +10 bps | |
| Net Interest Margin | 3.55% | 3.49% | 3.55% | 3.44% | 3.60% | 3.42% | 3.45% | 3.75% | +31 bps | |
| Efficiency Ratio | 53.73% | 57.09% | 57.17% | 57.04% | 57.07% | 59.84% | 58.33% | 57.52% | +48 bps | |
| Non-Interest Burden | 1.66% | 1.79% | 1.81% | 1.72% | 1.84% | 1.84% | 1.79% | 1.91% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.73% | 11.50% | 2.78% | 4.98% | 4.46% | 5.11% | 8.80% | 3.54% | -144 bps | |
| Loan Growth (YoY) | 7.21% | 4.73% | 3.87% | 3.43% | 1.30% | 0.12% | 0.57% | 2.31% | -111 bps | |
| Deposit Growth (YoY) | 15.26% | 11.72% | 2.33% | 5.08% | 4.73% | 4.01% | 6.62% | -0.41% | -549 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 | 0.39% | 0.15% | 0.50% | 0.48% | 0.41% | 0.19% | 0.15% | 0.19% | -28 bps | |
| Allowance / Loans | 1.21% | 1.21% | 1.13% | 1.08% | 1.13% | 1.17% | 1.20% | 1.25% | +17 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 | 10.46% | 10.85% | 11.04% | 11.06% | 11.20% | 11.30% | 11.15% | 11.24% | +18 bps | |
| Equity / Assets | 7.36% | 7.41% | 7.58% | 7.64% | 7.70% | 7.79% | 7.45% | 7.69% | +5 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.68% | 77.25% | 79.19% | 77.88% | 77.06% | 74.35% | 74.70% | 80.01% | +213 bps | |
| Liquid Assets / Assets | 0.08% | 0.08% | 0.32% | 0.31% | 0.05% | 0.05% | 0.06% | 0.36% | +4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |