Gravette, AR · Cert 34248
FDIC
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Gravette, AR · Cert 34248
FDIC
Q2 2001
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 | Q3 1999 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.41% | -1.35% | -0.75% | -1.76% | -3.89% | -5.68% | -5.99% | -4.97% | -321 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | 4.76% | 4.69% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | 220% | 200% | n/a | |
| Non-Interest Burden | n/a | n/a | n/a | n/a | n/a | n/a | 10.65% | 9.58% | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.29% | 5.36% | 31.02% | 41.82% | 34.88% | 11.60% | 12.23% | 5.06% | -3,676 bps | |
| Loan Growth (YoY) | 28.83% | 17.24% | 29.24% | 29.85% | 17.14% | 19.78% | 27.74% | 11.48% | -1,837 bps | |
| Deposit Growth (YoY) | 3.95% | 1.52% | 12.76% | 31.96% | 36.25% | 6.70% | 31.00% | 14.45% | -1,750 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 | n/a | n/a | n/a | n/a | n/a | n/a | -0.02% | 0.49% | n/a | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 1.31% | 1.24% | n/a | |
| 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 | n/a | n/a | n/a | n/a | n/a | n/a | 9.45% | 10.45% | n/a | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | 9.47% | 9.29% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 96.90% | 84.05% | 92.99% | 86.01% | 83.31% | 94.35% | 90.68% | 83.78% | -224 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |