Marked Tree, AR · Cert 86
FDIC
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Marked Tree, AR · Cert 86
FDIC
Q1 2003
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 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.83% | 1.21% | 1.92% | 0.84% | -6 bps | |
| Return on Equity | 8.15% | 7.42% | 10.61% | 16.52% | 6.72% | -143 bps | |
| Net Interest Margin | 3.17% | 3.21% | 3.70% | 3.65% | 3.28% | +11 bps | |
| Efficiency Ratio | 76.57% | 75.13% | 69.11% | 65.58% | 71.82% | -475 bps | |
| Non-Interest Burden | 2.29% | 2.28% | 2.38% | 2.20% | 2.22% | -7 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.18% | -12.82% | -1.88% | 5.26% | 6.66% | +1,484 bps | |
| Loan Growth (YoY) | -16.71% | -19.83% | -16.44% | -19.98% | -12.39% | +431 bps | |
| Deposit Growth (YoY) | -8.67% | -14.08% | -2.03% | 3.34% | 4.91% | +1,358 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -0.72% | -1.42% | -1.15% | -1.94% | -0.76% | -4 bps | |
| Allowance / Loans | 3.29% | 3.73% | 3.92% | 2.55% | 2.82% | -46 bps | |
| Allowance Coverage of NPLs | 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 |
| Total Risk-Based Capital | 23.07% | 23.42% | 23.11% | 27.09% | 27.56% | +449 bps | |
| Equity / Assets | 11.11% | 11.44% | 11.99% | 12.50% | 12.41% | +130 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 54.55% | 57.65% | 57.82% | 47.80% | 45.55% | -900 bps | |
| Liquid Assets / Assets | 0.96% | 0.86% | 0.81% | 0.77% | 0.74% | -22 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |