Mena, AR · Cert 3883
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.
Mena, AR · Cert 3883
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 | 1.06% | 1.06% | 1.05% | 1.16% | 1.15% | 1.21% | 1.25% | 1.35% | +19 bps | |
| Return on Equity | 8.63% | 8.46% | 8.38% | 9.05% | 8.97% | 9.29% | 9.54% | 12.61% | +356 bps | |
| Net Interest Margin | 3.42% | 3.50% | 3.52% | 3.60% | 3.54% | 3.62% | 3.69% | 3.91% | +30 bps | |
| Efficiency Ratio | 56.58% | 57.18% | 57.89% | 55.42% | 54.93% | 53.35% | 52.77% | 50.82% | -460 bps | |
| Non-Interest Burden | 1.74% | 1.80% | 1.83% | 1.72% | 1.68% | 1.65% | 1.66% | 1.68% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.67% | -1.30% | -2.10% | -5.65% | -3.03% | -1.71% | -2.57% | -0.48% | +518 bps | |
| Loan Growth (YoY) | 8.36% | -0.46% | 0.98% | -0.65% | 0.48% | 11.23% | 9.63% | 10.21% | +1,086 bps | |
| Deposit Growth (YoY) | 1.77% | -3.15% | -3.72% | -6.37% | -2.53% | -1.21% | -2.76% | 0.09% | +646 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 | 0.18% | 0.13% | 0.12% | 0.10% | 0.17% | 0.12% | 0.12% | 0.04% | -6 bps | |
| Allowance / Loans | 1.37% | 1.43% | 1.44% | 1.44% | 1.42% | 1.34% | 1.36% | 1.37% | -8 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 | 23.64% | 24.74% | 23.97% | 24.44% | 24.48% | 23.35% | 22.53% | 14.54% | -990 bps | |
| Equity / Assets | 12.46% | 13.09% | 12.65% | 12.98% | 12.89% | 13.47% | 13.25% | 8.18% | -481 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.79% | 77.15% | 78.34% | 79.46% | 78.13% | 86.87% | 88.32% | 87.50% | +803 bps | |
| Liquid Assets / Assets | 27.23% | 26.46% | 25.41% | 23.74% | 25.28% | 19.76% | 12.54% | 8.28% | -1,547 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |