Jonesboro, AR · Cert 5617
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.85% | 0.83% | 1.04% | 0.89% | 0.78% | 0.74% | 0.65% | -39 bps | |
| Return on Equity | 10.95% | 11.89% | 10.94% | 13.89% | 11.86% | 10.85% | 10.26% | 9.00% | -488 bps | |
| Net Interest Margin | 3.24% | 3.27% | 3.32% | 3.42% | 3.18% | 3.03% | 2.90% | 2.69% | -73 bps | |
| Efficiency Ratio | 72.85% | 67.12% | 67.29% | 62.66% | 67.36% | 67.74% | 69.35% | 69.65% | +699 bps | |
| Non-Interest Burden | 2.08% | 1.93% | 1.96% | 1.83% | 1.88% | 1.82% | 1.77% | 1.63% | -20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.28% | 20.63% | 28.17% | 25.80% | 24.50% | 20.32% | 12.20% | 15.27% | -1,053 bps | |
| Loan Growth (YoY) | 0.59% | 5.50% | 12.48% | 16.18% | 22.40% | 20.65% | 16.76% | 15.19% | -99 bps | |
| Deposit Growth (YoY) | 11.47% | 15.77% | 15.64% | 14.65% | 15.70% | 12.46% | 7.93% | 15.15% | +50 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 | 0.22% | 0.17% | 0.22% | 0.09% | 0.15% | -0.05% | 0.37% | 0.36% | +27 bps | |
| Allowance / Loans | 1.26% | 1.22% | 1.11% | 1.04% | 0.99% | 1.01% | 0.90% | 0.84% | -20 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 | 10.95% | 13.61% | 12.69% | 12.50% | 12.15% | 12.26% | 12.12% | 11.64% | -87 bps | |
| Equity / Assets | 6.26% | 8.00% | 7.28% | 7.70% | 7.25% | 7.08% | 7.33% | 7.15% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 66.12% | 66.61% | 71.63% | 75.65% | 69.95% | 71.46% | 77.49% | 75.68% | +3 bps | |
| Liquid Assets / Assets | 5.04% | 6.69% | 5.74% | 5.45% | 5.78% | 7.05% | 5.43% | 5.36% | -9 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |