El Dorado, AR · Cert 57024
FDIC
Q1 2009
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.49% | -1.75% | 0.23% | -1.47% | -4.11% | -2.11% | -0.15% | -38 bps | |
| Return on Equity | 7.10% | 5.75% | -20.82% | 2.74% | -18.45% | -51.53% | -24.40% | -1.64% | -438 bps | |
| Net Interest Margin | 3.08% | 3.13% | 3.36% | 3.08% | 3.22% | 3.02% | 3.60% | 3.63% | +55 bps | |
| Efficiency Ratio | 67.53% | 68.16% | 55.04% | 69.75% | 68.54% | 91.20% | 98.87% | 87.36% | +1,761 bps | |
| Non-Interest Burden | 1.97% | 2.02% | 1.70% | 2.05% | 2.15% | 2.76% | 3.57% | 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 | 0.29% | 0.67% | 5.32% | 2.70% | 1.70% | 8.23% | 6.36% | 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 |