PackageTrendsPeer
Letter portraitLegal landscape

Bank of Bentonville

Bentonville, AR · Cert 100

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Bentonville

Bentonville, AR · Cert 100

FDIC

Q4 2001

$712.7MAssets
$409.1MLoans
$635.9MDeposits
$43.9MEquity
Loan mix
74%RE $175.9M23%C&I $54.8M3%Consumer $7.6MQ4 2000Q4 2001
Deposit mix
85%Interest-bearing $539.6M15%Noninterest $96.3MQ4 2000Q4 2001

NIM

7.43%Q1 ’016.85%Q3 ’016.14%Q4 ’010%-6%

Non-interest income vs. expense

3.41%Q1 ’013.47%Q3 ’013.30%Q4 ’01-5%-7%

Executive Summary

  • Earnings: ROA of 1.31%, up 29 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.40%.
  • Funding: loans stand at 64.33% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

1.31%+29 bps YoY

Net Interest Margin (YTD, annualized)

3.46%

Efficiency Ratio (YTD, annualized)

58.82%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.02%1.01%1.22%1.26%1.31%+29 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a3.70%3.86%3.69%3.46%n/a
Efficiency Ration/a58.68%58.63%58.59%58.82%n/a
Non-Interest Burdenn/a1.30%1.33%1.24%1.15%n/a
Growth
Asset Growth (YoY)7.59%-0.92%0.40%12.16%8.40%+81 bps
Loan Growth (YoY)12.28%3.53%-1.76%-3.28%-7.99%-2,027 bps
Deposit Growth (YoY)9.85%-0.15%0.70%13.87%8.41%-144 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.72%0.56%0.44%0.40%n/a
Allowance / Loansn/a1.41%1.52%1.63%1.69%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a10.46%10.88%10.16%10.46%n/a
Equity / Assetsn/a6.84%7.03%6.24%6.16%n/a
Liquidity & Funding
Loans / Deposits75.79%78.62%76.94%67.89%64.33%-1,147 bps
Liquid Assets / Assets0.00%0.08%0.05%0.08%0.22%+22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a