Paragould, AR · Cert 35335
FDIC
Q2 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.07% | -3.45% | -2.58% | -8.92% | -2.74% | -15.44% | -4.05% | -4.71% | +421 bps | |
| Return on Equity | -8.36% | -29.05% | -22.99% | -84.11% | -29.28% | -215% | -84.72% | -132.16% | -4,806 bps | |
| Net Interest Margin | 3.70% | 3.12% | 2.75% | 2.64% | 2.54% | 2.07% | 2.15% | 2.13% | -51 bps | |
| Efficiency Ratio | 132.65% | 208% | 194.25% | 204% | 220% | 300% | 288% | 307% | +10,280 bps | |
| Non-Interest Burden | 5.09% | 6.96% | 5.74% | 5.94% | 6.09% | 6.47% | 5.89% | 6.86% | +92 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 | 1.19% | 1.70% | 2.81% | 4.73% | 1.82% | 1.68% | 1.08% | 6.74% | +201 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 |