Heber Springs, AR · Cert 8731
FDIC
Q3 2005
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.17% | 1.05% | 1.18% | 0.71% | 0.83% | 0.76% | 0.76% | 0.35% | -36 bps | |
| Return on Equity | 12.19% | 11.07% | 12.25% | 7.12% | 8.43% | 8.04% | 7.90% | 2.23% | -489 bps | |
| Net Interest Margin | 3.30% | 3.13% | 3.16% | 3.17% | 3.07% | 3.03% | 3.03% | -4.96% | -813 bps | |
| Efficiency Ratio | 58.32% | 63.37% | 61.79% | 73.58% | 72.25% | 70.58% | 72.19% | 69.23% | -434 bps | |
| Non-Interest Burden | 1.78% | 1.88% | 1.81% | 2.27% | 2.14% | 2.04% | 2.12% | -3.47% | -574 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.02% | -0.19% | 1.99% | -1.66% | -3.46% | -5.38% | -1.34% | 13.58% | +1,524 bps | |
| Loan Growth (YoY) | -3.40% | -2.30% | 2.34% | 4.15% | 3.33% | 10.85% | 8.73% | 3.77% | -39 bps | |
| Deposit Growth (YoY) | -9.29% | -3.49% | 0.21% | -0.72% | -2.07% | -0.95% | 1.97% | 3.65% | +437 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 | 0.10% | 0.58% | 0.03% | -0.06% | -0.13% | 0.42% | 0.31% | 0.27% | +33 bps | |
| Allowance / Loans | 1.45% | 1.37% | 1.34% | 1.33% | 1.33% | 1.17% | 1.09% | 1.06% | -27 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 | 16.40% | 16.96% | 17.72% | 18.46% | 16.36% | 16.32% | 16.53% | 16.36% | -210 bps | |
| Equity / Assets | 9.37% | 9.69% | 9.56% | 10.34% | 9.43% | 9.51% | 9.71% | 21.02% | +1,068 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.26% | 51.16% | 52.52% | 53.79% | 55.14% | 57.25% | 56.00% | 53.85% | +6 bps | |
| Liquid Assets / Assets | 0.55% | 0.53% | 0.02% | 0.01% | 0.02% | 0.03% | 0.00% | 0.03% | +2 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |