Little Rock, AR · Charter 7165
Q2 2007
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.17% | -0.43% | -0.05% | 0.05% | -0.04% | 0.30% | 0.31% | -8.13% | -818 bps | |
| Return on Equity | 0.66% | -1.94% | -0.22% | 0.22% | -0.16% | 1.24% | 1.26% | -40.17% | -4,039 bps | |
| Net Interest Margin | 5.56% | 5.03% | 4.83% | 5.04% | 5.14% | 5.30% | 4.90% | -2.79% | -783 bps | |
| Efficiency Ratio | 91.21% | 95.88% | 99.67% | 90.88% | 90.10% | 84.66% | 93.15% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.58% | -0.70% | -1.34% | 1.14% | 8.92% | -6.53% | -7.58% | -8.53% | -967 bps | |
| Loan Growth (YoY) | -2.70% | -3.30% | -5.81% | -11.96% | -15.99% | -20.56% | -18.32% | -19.58% | -762 bps | |
| Share Growth (YoY) | 3.20% | -0.71% | -2.02% | 1.68% | -6.75% | -7.46% | -8.84% | -5.36% | -704 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.92% | 2.29% | 1.55% | 3.54% | 1.66% | 1.23% | 1.25% | 0.63% | -291 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.31% | 1.16% | 1.49% | 1.49% | 1.53% | 1.29% | 1.75% | +26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.55% | 22.24% | 21.96% | 21.98% | 22.87% | 24.09% | 24.13% | 20.23% | -175 bps | |
| Net Worth / Assets | 25.55% | 22.24% | 21.96% | 21.98% | 22.87% | 24.09% | 24.13% | 20.23% | -175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 94.76% | 99.21% | 90.77% | 84.90% | 85.36% | 85.17% | 81.34% | 72.14% | -1,276 bps | |
| Liquid Assets / Assets | 10.18% | 21.01% | 26.43% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |