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 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.20% | 0.96% | 1.07% | 0.94% | 1.97% | +78 bps | |
| Return on Equity | 9.50% | 8.56% | 9.38% | 8.22% | 17.05% | +755 bps | |
| Net Interest Margin | 3.67% | 3.32% | 3.29% | 3.12% | 2.98% | -69 bps | |
| Efficiency Ratio | 52.92% | 55.87% | 57.16% | 59.92% | 33.92% | -1,900 bps | |
| Non-Interest Burden | 1.77% | 1.72% | 1.71% | 1.71% | -1.77% | -354 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.53% | 5.51% | -0.53% | -2.49% | -99.45% | -9,893 bps | |
| Loan Growth (YoY) | 3.35% | -2.60% | -2.94% | -3.23% | -100.00% | -10,335 bps | |
| Deposit Growth (YoY) | -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% | n/a | n/a | |
| Net Charge-Offs / Loans | 0.15% | 0.14% | 0.17% | 0.34% | 0.43% | +27 bps | |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.86% | 13.38% | 13.49% | 13.49% | 500% | +48,714 bps | |
| Equity / Assets | 11.40% | 10.98% | 11.75% | 11.65% | 100.00% | +8,860 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 60.50% | 52.35% | 61.24% | 59.90% | n/a | n/a | |
| Liquid Assets / Assets | 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 |