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Bank of Trumann

Trumann, AR · Cert 11244

FDIC

Q1 2010

$113.1MAssets
$65.6MLoans
$91.5MDeposits
$19.9MEquity
Deposit mix
90%Interest-bearing $82.0M10%Noninterest $9.5MQ1 2009Q1 2010

NIM

6.37%Q1 ’085.69%Q1 ’094.73%Q1 ’10+7%-12%

Non-interest income vs. expense

2.23%Q1 ’082.28%Q1 ’092.30%Q1 ’10+8%-107%

Executive Summary

  • Earnings: ROA of 2.42%, up 106 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.07%.
  • Funding: loans stand at 71.68% of deposits as of Q1 2010.

Financial Results

Return on Assets (quarter, annualized)

2.42%+106 bps YoY

Net Interest Margin (quarter, annualized)

3.52%-47 bps YoY

Efficiency Ratio (quarter, annualized)

38.61%-1,462 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets1.36%1.24%1.51%-0.54%2.42%+106 bps
Return on Equity7.45%6.86%8.74%-3.20%13.82%+637 bps
Net Interest Margin3.99%3.97%4.62%-7.20%3.52%-47 bps
Efficiency Ratio53.23%56.83%51.81%38.45%38.61%-1,462 bps
Non-Interest Burden1.99%2.13%2.26%-5.12%-0.14%-213 bps
Growth
Asset Growth (YoY)4.19%1.18%11.14%13.67%10.75%+656 bps
Loan Growth (YoY)5.06%1.74%3.86%-1.77%2.26%-281 bps
Deposit Growth (YoY)17.82%11.93%10.87%17.24%10.61%-722 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.37%0.01%-0.21%0.07%+5 bps
Allowance / Loans1.31%1.11%1.01%1.19%1.20%-11 bps
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 Capital22.55%22.63%21.13%13.34%12.23%-1,032 bps
Equity / Assets17.86%18.25%16.41%17.37%17.59%-27 bps
Liquidity & Funding
Loans / Deposits77.53%87.06%96.30%71.61%71.68%-585 bps
Liquid Assets / Assets0.10%0.10%9.20%0.13%0.52%+42 bps
CRE / Total Capitaln/an/an/an/an/an/an/a