Rogers, AR · Cert 34085
FDIC
Q3 2008
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 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.04% | 0.79% | 0.89% | 0.73% | 0.61% | 0.23% | -0.14% | 0.16% | -57 bps | |
| Return on Equity | 5.99% | 4.55% | 5.14% | 4.21% | 3.48% | 1.32% | -0.79% | 0.92% | -328 bps | |
| Net Interest Margin | 3.64% | 3.49% | 3.46% | 3.24% | 3.16% | 2.97% | 2.59% | 2.67% | -57 bps | |
| Efficiency Ratio | 52.85% | 58.50% | 56.96% | 60.44% | 60.64% | 61.52% | 69.39% | 66.47% | +603 bps | |
| Non-Interest Burden | 1.88% | 2.06% | 1.96% | 1.96% | 1.92% | 1.86% | 1.85% | 1.79% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.91% | 4.80% | 0.33% | -1.10% | -2.03% | 3.31% | 4.32% | 1.25% | +235 bps | |
| Loan Growth (YoY) | 11.08% | 2.66% | -5.48% | -7.49% | -5.03% | -7.01% | -7.14% | -6.86% | +63 bps | |
| Deposit Growth (YoY) | 12.52% | 3.17% | -1.08% | -1.49% | -4.79% | 3.97% | 7.46% | 2.17% | +367 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 | 0.22% | 0.04% | -0.14% | 0.00% | 0.37% | 0.71% | 0.63% | 0.31% | +31 bps | |
| Allowance / Loans | 0.97% | 1.02% | 1.14% | 1.16% | 1.09% | 1.24% | 1.64% | 1.76% | +60 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 | 11.71% | 11.79% | 11.87% | 11.97% | 12.23% | 12.31% | 12.43% | 12.92% | +95 bps | |
| Equity / Assets | 17.41% | 17.23% | 17.56% | 17.55% | 18.12% | 17.16% | 16.94% | 17.51% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 93.59% | 94.64% | 94.80% | 90.93% | 93.35% | 84.64% | 81.92% | 82.89% | -804 bps | |
| Liquid Assets / Assets | 3.44% | 3.70% | 4.32% | 6.09% | 6.57% | 11.98% | 12.82% | 13.41% | +733 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |