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Bank of Prescott

Prescott, AR · Cert 101

FDIC · 1 branch

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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 Prescott

Prescott, AR · Cert 101

FDIC · 1 branch

Q3 2019

$68.2MAssets
$37.0MLoans
$57.1MDeposits
$10.2MEquity
Loan mix
65%RE $22.5M25%C&I $8.7M10%Consumer $3.7MQ3 2018Q3 2019
Deposit mix
73%Interest-bearing $41.7M27%Noninterest $15.4MQ3 2018Q3 2019

NIM

4.18%Q3 ’174.14%Q3 ’184.20%Q3 ’19-2%-2%

Non-interest income vs. expense

2.86%Q3 ’173.07%Q3 ’183.27%Q3 ’19+14%+8%

Executive Summary

  • Earnings: ROA of 0.68%, up 292 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 1.08% of loans (-5 bps YoY), with net charge-offs at 0.49%.
  • Capital: tier 1 leverage ratio of 15.42%, up 92 bps from a year ago.
  • Funding: loans stand at 64.91% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

0.68%+292 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-7 bps YoY

Efficiency Ratio (YTD, annualized)

82.28%+651 bps YoY

Tier 1 Leverage Ratio

15.42%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-2.24%-1.61%0.68%0.75%0.68%+292 bps
Return on Equity-16.04%-11.64%4.82%5.21%4.69%+2,072 bps
Net Interest Margin3.61%3.61%3.57%3.54%3.54%-7 bps
Efficiency Ratio75.76%79.99%81.72%79.94%82.28%+651 bps
Non-Interest Burden2.63%2.81%2.84%2.75%2.84%+21 bps
Growth
Asset Growth (YoY)-5.92%-0.34%-3.83%-2.11%-6.06%-14 bps
Loan Growth (YoY)-12.75%-11.13%-3.39%-4.39%-2.06%+1,069 bps
Deposit Growth (YoY)-7.20%-4.84%-5.34%-3.64%-2.79%+441 bps
Asset Quality
Nonperforming Loans / Loans1.13%0.89%1.01%0.98%1.08%-5 bps
Net Charge-Offs / Loans12.99%8.78%-2.67%0.75%0.49%-1,250 bps
Allowance / Loans0.76%1.58%2.29%1.27%1.27%+51 bps
Allowance Coverage of NPLs0.7x1.8x2.3x1.3x1.2x+0.5x
Capital
Tier 1 Leverage Ratio14.50%14.58%15.20%15.30%15.42%+92 bps
Total Risk-Based Capital21.08%22.04%23.61%24.16%24.62%+354 bps
Equity / Assets13.30%13.42%14.69%15.15%15.03%+173 bps
Liquidity & Funding
Loans / Deposits64.42%65.07%64.89%65.01%64.91%+48 bps
Liquid Assets / Assets5.41%7.18%5.81%8.08%11.87%+645 bps
CRE / Total Capitaln/an/an/an/an/an/an/a