Springdale, AR · Cert 3892
FDIC
Q4 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2003, the quarter ended December 31, 2003, 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.
Springdale, AR · Cert 3892
FDIC
Q4 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.23% | 1.17% | 1.23% | 1.20% | 0.96% | 1.07% | 0.94% | 1.97% | +78 bps | |
| Return on Equity | 8.83% | 8.83% | 9.52% | 9.50% | 8.56% | 9.38% | 8.22% | 17.05% | +755 bps | |
| Net Interest Margin | 3.71% | 3.80% | 3.75% | 3.67% | 3.32% | 3.29% | 3.12% | 2.98% | -69 bps | |
| Efficiency Ratio | 50.50% | 53.60% | 51.67% | 52.92% | 55.87% | 57.16% | 59.92% | 33.92% | -1,900 bps | |
| Non-Interest Burden | 1.72% | 1.88% | 1.75% | 1.77% | 1.72% | 1.71% | 1.71% | -1.77% | -354 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.89% | -2.24% | -2.39% | -0.53% | 5.51% | -0.53% | -2.49% | -99.45% | -9,893 bps | |
| Loan Growth (YoY) | 13.52% | 17.89% | 7.46% | 3.35% | -2.60% | -2.94% | -3.23% | -100.00% | -10,335 bps | |
| Deposit Growth (YoY) | 5.64% | -0.22% | 0.02% | -2.11% | 7.54% | -2.20% | -2.68% | -100.00% | -9,789 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.26% | 0.11% | 0.12% | 0.15% | 0.14% | 0.17% | 0.34% | 0.43% | +27 bps | |
| Allowance / Loans | 1.69% | 1.62% | 1.70% | 1.67% | 1.85% | 1.67% | 1.55% | n/a | n/a | |
| 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 | 16.90% | 12.35% | 12.99% | 12.86% | 13.38% | 13.49% | 13.49% | 500% | +48,714 bps | |
| Equity / Assets | 14.13% | 11.82% | 11.81% | 11.40% | 10.98% | 11.75% | 11.65% | 100.00% | +8,860 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.81% | 61.71% | 60.23% | 60.50% | 52.35% | 61.24% | 59.90% | n/a | n/a | |
| Liquid Assets / Assets | 11.07% | 10.29% | 8.19% | 4.54% | 1.68% | 0.95% | 0.95% | 0.00% | -454 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |