Helena, AR · Cert 3874
FDIC
Q3 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2009, the quarter ended September 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.
Helena, AR · Cert 3874
FDIC
Q3 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 0.96% | 0.95% | 1.00% | 0.94% | 0.76% | 0.80% | 0.82% | -18 bps | |
| Return on Equity | 7.92% | 7.43% | 7.64% | 8.20% | 7.78% | 6.15% | 6.57% | 6.80% | -140 bps | |
| Net Interest Margin | 3.94% | 3.66% | 3.72% | 3.79% | 3.73% | 3.52% | 3.67% | 3.68% | -11 bps | |
| Efficiency Ratio | 58.02% | 67.52% | 67.08% | 65.84% | 66.75% | 73.10% | 72.88% | 65.49% | -35 bps | |
| Non-Interest Burden | 1.71% | 2.06% | 2.11% | 2.11% | 2.12% | 2.28% | 2.38% | 1.89% | -22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.74% | 0.95% | 0.99% | 5.57% | 13.79% | -1.64% | -1.07% | 3.71% | -186 bps | |
| Loan Growth (YoY) | 0.32% | -15.30% | -4.19% | 10.31% | 10.82% | 27.10% | 16.31% | 8.49% | -181 bps | |
| Deposit Growth (YoY) | -7.85% | -4.79% | -5.29% | -6.46% | 10.83% | -0.84% | 4.18% | 4.39% | +1,085 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 | 1.74% | 0.73% | 0.72% | 1.66% | 1.60% | 0.49% | 0.37% | 0.25% | -141 bps | |
| Allowance / Loans | 2.27% | 2.49% | 1.93% | 1.00% | 1.12% | 1.07% | 1.00% | 1.60% | +60 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 | 17.23% | 18.06% | 15.65% | 14.73% | 15.34% | 15.29% | 14.34% | 14.77% | +4 bps | |
| Equity / Assets | 13.35% | 12.60% | 11.60% | 11.53% | 11.78% | 12.80% | 12.12% | 11.74% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 63.51% | 54.52% | 72.44% | 75.87% | 63.51% | 69.89% | 80.88% | 78.86% | +299 bps | |
| Liquid Assets / Assets | 0.61% | 8.37% | 8.06% | 4.88% | 5.14% | 0.69% | 0.65% | 4.28% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |