Mountain Home, AR · Cert 34797
FDIC
Q1 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2005, the quarter ended March 31, 2005, 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.
Mountain Home, AR · Cert 34797
FDIC
Q1 2005
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | 1.14% | 1.11% | 0.79% | 0.88% | 0.87% | 0.85% | 0.04% | -75 bps | |
| Return on Equity | 11.96% | 12.30% | 12.09% | 8.93% | 10.13% | 10.11% | 9.89% | 0.31% | -863 bps | |
| Net Interest Margin | 3.13% | 3.05% | 2.93% | 3.04% | 2.99% | 2.94% | 2.90% | 0.48% | -255 bps | |
| Efficiency Ratio | 49.83% | 50.53% | 51.79% | 60.59% | 60.17% | 60.23% | 60.31% | 68.02% | +743 bps | |
| Non-Interest Burden | 1.25% | 1.21% | 1.24% | 1.70% | 1.62% | 1.59% | 1.57% | 0.30% | -140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.91% | 18.01% | 19.27% | 17.41% | 19.35% | 14.57% | 9.49% | 27.14% | +974 bps | |
| Loan Growth (YoY) | 29.23% | 32.48% | 32.65% | 27.33% | 21.52% | 11.93% | 5.74% | -0.75% | -2,809 bps | |
| Deposit Growth (YoY) | 20.62% | 15.20% | 13.88% | 12.43% | 11.68% | 16.79% | 15.88% | 18.16% | +572 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 | 0.16% | 0.11% | 0.08% | 0.00% | -0.01% | -0.01% | -0.01% | 0.00% | 0 bps | |
| Allowance / Loans | 0.86% | 0.83% | 0.82% | 0.83% | 0.82% | 0.86% | 0.93% | 1.68% | +85 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 | 15.68% | 14.36% | 13.96% | 14.08% | 13.29% | 13.49% | 14.08% | 14.38% | +31 bps | |
| Equity / Assets | 9.36% | 9.16% | 8.91% | 8.83% | 8.31% | 8.43% | 8.53% | 19.27% | +1,044 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.81% | 84.75% | 87.61% | 86.29% | 86.84% | 81.22% | 79.94% | 72.48% | -1,381 bps | |
| Liquid Assets / Assets | 23.98% | 22.35% | 23.55% | 22.98% | 21.83% | 21.78% | 21.47% | 0.10% | -2,287 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |