Batesville, AR · Cert 58052
FDIC
Q3 2010
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.58% | 0.60% | -0.68% | -0.73% | 0.30% | 0.68% | 0.35% | +103 bps | |
| Return on Equity | 2.32% | 4.71% | 4.95% | -5.81% | -6.91% | 3.08% | 7.61% | 3.75% | +956 bps | |
| Net Interest Margin | 3.30% | 3.24% | 3.72% | 3.58% | 3.50% | 3.68% | 3.94% | 3.80% | +22 bps | |
| Efficiency Ratio | 73.86% | 65.08% | 61.03% | 67.53% | 97.53% | 85.16% | 75.83% | 71.73% | +420 bps | |
| Non-Interest Burden | 2.40% | 2.05% | 2.20% | 2.35% | 3.41% | 3.11% | 2.95% | 2.68% | +33 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 22.44% | 31.02% | 28.26% | 36.37% | 24.30% | 29.42% | 40.82% | 60.33% | +2,397 bps | |
| Loan Growth (YoY) | 15.74% | 31.94% | 33.16% | 34.62% | 25.35% | 29.86% | 30.82% | 34.98% | +36 bps | |
| Deposit Growth (YoY) | 29.39% | 34.41% | 32.73% | 39.25% | 20.84% | 27.25% | 33.59% | 51.98% | +1,273 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 | 0.01% | 0.04% | 0.01% | 0.33% | 3.07% | 0.42% | -0.02% | 1.99% | +166 bps | |
| Allowance / Loans | 1.09% | 1.11% | 1.24% | 2.20% | 1.93% | 1.72% | 1.72% | 1.24% | -96 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 | 16.57% | 15.58% | 15.68% | 15.06% | 14.83% | 13.34% | 12.18% | 15.16% | +10 bps | |
| Equity / Assets | 12.50% | 12.02% | 12.21% | 11.09% | 10.16% | 9.37% | 8.66% | 10.04% | -105 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.62% | 87.04% | 95.55% | 92.35% | 89.85% | 88.83% | 93.57% | 82.02% | -1,033 bps | |
| Liquid Assets / Assets | 10.31% | 10.55% | 7.46% | 3.35% | 0.15% | 10.75% | 11.43% | 0.12% | -324 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |