El Dorado, AR · Cert 57024
FDIC
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
El Dorado, AR · Cert 57024
FDIC
Q1 2009
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 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.59% | 0.56% | -0.02% | 0.23% | -0.63% | -1.79% | -1.87% | -0.15% | -38 bps | |
| Return on Equity | 7.09% | 6.64% | -0.25% | 2.74% | -7.84% | -22.00% | -22.61% | -1.64% | -438 bps | |
| Net Interest Margin | 2.98% | 3.01% | 3.07% | 3.08% | 3.09% | 3.14% | 3.59% | 3.63% | +55 bps | |
| Efficiency Ratio | 67.03% | 67.42% | 64.05% | 69.75% | 69.13% | 75.66% | 81.08% | 87.36% | +1,761 bps | |
| Non-Interest Burden | 1.89% | 1.92% | 1.85% | 2.05% | 2.06% | 2.34% | 2.90% | 3.13% | +108 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 9.71% | 3.32% | 0.69% | 3.01% | 5.82% | -5.46% | -14.44% | -19.65% | -2,266 bps | |
| Loan Growth (YoY) | 9.31% | 6.45% | 4.81% | 4.09% | -1.64% | -9.86% | -23.47% | -30.47% | -3,456 bps | |
| Deposit Growth (YoY) | 6.55% | -0.83% | -4.57% | -4.88% | 2.13% | -10.24% | -19.71% | -21.58% | -1,670 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 | 0.16% | 0.33% | 1.58% | 2.70% | 2.26% | 4.38% | 5.45% | 2.56% | -14 bps | |
| Allowance / Loans | 1.36% | 1.30% | 1.33% | 1.54% | 2.33% | 2.01% | 1.99% | 1.79% | +25 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 | 12.13% | 12.25% | 11.78% | 11.75% | 11.71% | 12.60% | 12.65% | 13.14% | +139 bps | |
| Equity / Assets | 8.43% | 8.54% | 8.30% | 8.32% | 7.60% | 8.38% | 8.90% | 9.21% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 100.49% | 103.11% | 102.90% | 107.39% | 96.79% | 103.54% | 98.08% | 95.22% | -1,218 bps | |
| Liquid Assets / Assets | 0.05% | 0.06% | 0.06% | 0.07% | 0.07% | 0.06% | 0.72% | 1.84% | +177 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |