El Dorado, AR · Charter 8424
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 · Charter 8424
Q2 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.92% | 0.40% | 0.64% | 0.57% | 0.96% | 0.46% | -15.27% | -1,591 bps | |
| Return on Equity | 3.43% | 3.48% | 1.50% | 2.28% | 1.94% | 3.14% | 1.52% | -65.68% | -6,796 bps | |
| Net Interest Margin | 4.84% | 4.91% | 4.45% | 4.62% | 4.72% | 4.72% | 4.73% | -8.81% | -1,342 bps | |
| Efficiency Ratio | 81.72% | 81.29% | 91.06% | 91.44% | 91.50% | 95.75% | 90.34% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.51% | -1.27% | -4.64% | -6.77% | -10.24% | -10.57% | -8.81% | -7.16% | -39 bps | |
| Loan Growth (YoY) | -9.68% | -9.81% | -18.62% | -10.71% | -16.46% | -7.66% | -10.01% | -14.90% | -419 bps | |
| Share Growth (YoY) | -4.80% | -3.85% | -7.93% | -10.91% | -15.17% | -15.84% | -13.34% | -0.66% | +1,025 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.22% | 2.30% | 2.38% | 2.37% | 2.48% | 1.54% | 1.64% | 1.84% | -53 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 25.84% | 26.45% | 26.60% | 28.10% | 29.60% | 30.54% | 30.11% | 23.26% | -485 bps | |
| Net Worth / Assets | 25.84% | 26.45% | 26.60% | 28.10% | 29.60% | 30.54% | 30.11% | 23.26% | -485 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 107.74% | 105.16% | 102.38% | 102.84% | 106.12% | 115.39% | 106.32% | 88.10% | -1,474 bps | |
| Liquid Assets / Assets | 19.58% | 21.91% | 24.20% | 25.33% | 25.07% | 18.85% | 24.72% | 31.97% | +665 bps | |