Russellville, AR · Cert 34479
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.97% | 0.63% | 0.79% | 0.81% | 1.05% | 1.17% | 1.05% | +26 bps | |
| Return on Equity | 5.99% | 13.65% | 8.93% | 11.34% | 11.69% | 14.78% | 16.32% | 14.50% | +316 bps | |
| Net Interest Margin | 3.41% | 4.05% | 4.20% | 3.95% | 4.38% | 4.39% | 4.46% | 4.09% | +15 bps | |
| Efficiency Ratio | 73.79% | 70.02% | 63.19% | 65.33% | 63.07% | 60.17% | 59.26% | 62.45% | -288 bps | |
| Non-Interest Burden | 2.26% | 2.56% | 2.29% | 2.25% | 2.39% | 2.20% | 2.18% | 2.08% | -17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.54% | 9.58% | 13.68% | 9.29% | 14.26% | 12.39% | 11.22% | 9.50% | +21 bps | |
| Loan Growth (YoY) | 15.50% | 16.44% | 17.20% | 17.82% | 17.71% | 15.02% | 9.93% | 3.98% | -1,383 bps | |
| Deposit Growth (YoY) | 9.93% | 20.03% | 15.70% | 9.51% | 14.29% | 12.53% | 10.84% | 9.32% | -19 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 | 0.94% | 0.06% | 0.11% | 0.03% | 0.30% | 0.74% | 0.17% | 0.12% | +9 bps | |
| Allowance / Loans | 0.95% | 0.98% | 1.11% | 1.18% | 1.29% | 1.24% | 1.27% | 1.36% | +18 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 | 10.24% | 10.67% | 10.71% | 10.53% | 10.35% | 10.59% | 10.97% | 11.22% | +69 bps | |
| Equity / Assets | 7.09% | 7.16% | 6.91% | 6.95% | 6.97% | 7.18% | 7.14% | 7.28% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 92.90% | 93.75% | 92.20% | 94.19% | 95.68% | 95.82% | 91.43% | 89.58% | -460 bps | |
| Liquid Assets / Assets | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.03% | 0.03% | 0.02% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |