PackageTrendsPeer
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American State Bank

Jonesboro, AR · Cert 5617

FDIC

Q3 2005

$356.7MAssets
$222.8MLoans
$294.4MDeposits
$25.5MEquity
Deposit mix
98%Interest-bearing $287.5M2%Noninterest $6.9MQ4 2003Q3 2005

Executive Summary

  • Earnings: ROA of 0.72%, down 19 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.22%.
  • Funding: loans stand at 75.68% of deposits as of Q3 2005.

Return on Assets (YTD, annualized)

0.72%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.76%-41 bps YoY

Efficiency Ratio (YTD, annualized)

68.92%+334 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.36%Q3 ’034.57%Q3 ’044.69%Q3 ’05-3%-13%

Non-interest income vs. expense

2.90%Q3 ’032.60%Q3 ’042.41%Q3 ’05-14%-7%

Year to date, annualized, through each quarter.

MetricQ4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.69%0.85%0.84%0.91%0.90%0.78%0.76%0.72%-19 bps
Return on Equity10.51%11.89%11.67%12.47%12.36%10.85%10.51%10.00%-246 bps
Net Interest Margin3.20%3.27%3.21%3.17%3.14%3.03%2.91%2.76%-41 bps
Efficiency Ratio71.48%67.12%67.21%65.58%66.03%67.74%68.55%68.92%+334 bps
Non-Interest Burden2.04%1.93%1.89%1.80%1.81%1.82%1.76%1.67%-13 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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.17%0.19%0.15%0.14%-0.05%0.16%0.22%+8 bps
Allowance / Loans1.26%1.22%1.11%1.04%0.99%1.01%0.90%0.84%-20 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.95%13.61%12.69%12.50%12.15%12.26%12.12%11.64%-87 bps
Equity / Assets6.26%8.00%7.28%7.70%7.25%7.08%7.33%7.15%-55 bps
Liquidity & Funding
Loans / Deposits66.12%66.61%71.63%75.65%69.95%71.46%77.49%75.68%+3 bps
Liquid Assets / Assets5.04%6.69%5.74%5.45%5.78%7.05%5.43%5.36%-9 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a