Marked Tree, AR · Cert 86
FDIC
Q1 2003
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2001 | Q3 2001 | Q4 2001 | Q1 2002 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.41% | 5.00% | 0.90% | 0.76% | 1.95% | 4.01% | 0.84% | -6 bps | |
| Return on Equity | 9.49% | 13.35% | 44.54% | 8.15% | 6.74% | 16.68% | 32.72% | 6.72% | -143 bps | |
| Net Interest Margin | 3.34% | 4.01% | 3.72% | 3.17% | 3.23% | 4.58% | 4.08% | 3.28% | +11 bps | |
| Efficiency Ratio | 73.86% | 65.68% | 56.63% | 76.57% | 73.67% | 60.31% | 56.40% | 71.82% | -475 bps | |
| Non-Interest Burden | 2.29% | 2.43% | 1.79% | 2.29% | 2.25% | 2.51% | 2.04% | 2.22% | -7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 10.70% | -0.40% | -1.97% | -8.18% | -12.82% | -1.88% | 5.26% | 6.66% | +1,484 bps | |
| Loan Growth (YoY) | -6.94% | -3.79% | -5.56% | -16.71% | -19.83% | -16.44% | -19.98% | -12.39% | +431 bps | |
| Deposit Growth (YoY) | 10.86% | -1.42% | -1.74% | -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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | -1.13% | -1.22% | -0.96% | -0.72% | -2.16% | -0.62% | -3.66% | -0.76% | -4 bps | |
| Allowance / Loans | 5.07% | 5.58% | 2.75% | 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 | 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 | 19.30% | 20.44% | 20.49% | 23.07% | 23.42% | 23.11% | 27.09% | 27.56% | +449 bps | |
| Equity / Assets | 9.85% | 11.44% | 10.99% | 11.11% | 11.44% | 11.99% | 12.50% | 12.41% | +130 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 61.78% | 67.79% | 61.72% | 54.55% | 57.65% | 57.82% | 47.80% | 45.55% | -900 bps | |
| Liquid Assets / Assets | 1.72% | 1.10% | 1.13% | 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 | n/a | n/a | n/a |