Paragould, AR · Cert 35335
FDIC
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
Paragould, AR · Cert 35335
FDIC
Q2 2009
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.64% | -1.31% | -2.58% | -5.66% | -4.68% | -7.26% | -4.05% | -4.41% | +125 bps | |
| Return on Equity | -5.27% | -11.00% | -22.99% | -52.10% | -45.21% | -76.77% | -84.72% | -105.52% | -5,342 bps | |
| Net Interest Margin | 4.13% | 3.77% | 2.75% | 2.80% | 2.76% | 2.62% | 2.15% | 2.12% | -68 bps | |
| Efficiency Ratio | 121.53% | 139.42% | 194.25% | 199.01% | 205% | 223% | 288% | 298% | +9,912 bps | |
| Non-Interest Burden | 5.14% | 5.47% | 5.74% | 6.06% | 6.16% | 6.31% | 5.89% | 6.33% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.95% | -11.88% | -9.42% | -9.12% | -8.94% | -15.42% | -5.06% | 5.76% | +1,488 bps | |
| Loan Growth (YoY) | -19.36% | -19.78% | -21.49% | -21.13% | -21.33% | -20.55% | -20.12% | -21.45% | -32 bps | |
| Deposit Growth (YoY) | -11.70% | -12.30% | -8.71% | -6.12% | -5.49% | -9.51% | 2.68% | 14.62% | +2,075 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 | 2.15% | 2.12% | 2.81% | 3.85% | 3.31% | 3.00% | 1.08% | 3.95% | +10 bps | |
| Allowance / Loans | 2.25% | 2.54% | 2.51% | 4.38% | 4.47% | 4.58% | 4.80% | 3.47% | -90 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 | 19.52% | 17.50% | 17.45% | 15.99% | 15.08% | 10.63% | 8.97% | 6.67% | -931 bps | |
| Equity / Assets | 12.42% | 11.32% | 11.13% | 10.01% | 8.77% | 5.51% | 4.10% | 3.02% | -699 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.05% | 80.38% | 76.86% | 80.66% | 72.46% | 70.57% | 59.79% | 55.27% | -2,538 bps | |
| Liquid Assets / Assets | 1.46% | 1.39% | 2.46% | 5.87% | 5.63% | 7.69% | 7.81% | 7.53% | +166 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |