Bentonville, AR · Cert 33901
FDIC
Q1 2008
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.30% | 2.39% | 2.40% | 0.61% | 2.48% | 0.51% | -28.32% | 0.14%1 | -47 bps | |
| Return on Equity | 26.19% | 28.09% | 28.55% | 7.01% | 28.32% | 5.73% | -512% | 7.52% | +52 bps | |
| Net Interest Margin | 5.21% | 5.35% | 5.79% | 5.38% | 5.40% | 5.21% | 1.37% | 1.91% | -347 bps | |
| Efficiency Ratio | 46.98% | 47.95% | 41.13% | 35.47% | 38.21% | 34.97% | 177.74% | 98.72% | +6,326 bps | |
| Non-Interest Burden | 2.09% | 2.22% | 1.95% | 1.57% | 1.80% | 1.44% | 2.58% | 1.88% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 49.11% | 51.89% | 70.38% | 65.45% | 65.89% | 43.92% | 18.10% | 7.15% | -5,830 bps | |
| Loan Growth (YoY) | 58.65% | 59.41% | 81.97% | 72.48% | 62.42% | 44.87% | 11.96% | 1.18% | -7,130 bps | |
| Deposit Growth (YoY) | 61.77% | 50.54% | 84.50% | 103.17% | 111.63% | 89.98% | 53.27% | 15.51% | -8,766 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 | 0.20% | 0.07% | 0.17% | 0.84% | 0.83% | 0.47% | 16.88% | 0.46% | -37 bps | |
| Allowance / Loans | 1.18% | 1.20% | 1.26% | 1.78% | 1.78% | 2.52% | 5.96% | 6.01% | +423 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 | 10.81% | 10.05% | 10.14% | 10.59% | 10.51% | 10.97% | 3.40% | 3.50% | -708 bps | |
| Equity / Assets | 8.75% | 8.29% | 8.49% | 8.94% | 8.61% | 9.24% | 1.85% | 1.98% | -696 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 130.57% | 136.21% | 127.00% | 105.51% | 100.21% | 103.86% | 92.78% | 92.42% | -1,309 bps | |
| Liquid Assets / Assets | 0.26% | 0.65% | 0.05% | 0.41% | 0.12% | 0.07% | 0.02% | 1.93% | +151 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |