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Bank of Brinkley

Brinkley, AR · Cert 11245

FDIC

Q1 2007

$140.6MAssets
$32.7MLoans
$119.5MDeposits
$19.8MEquity
Deposit mix
80%Interest-bearing $95.2M20%Noninterest $24.3MQ1 2006Q1 2007

NIM

4.87%Q1 ’055.13%Q1 ’065.51%Q1 ’07-16%-8%

Non-interest income vs. expense

1.36%Q1 ’051.34%Q1 ’061.38%Q1 ’07-12%+6%

Executive Summary

  • Earnings: ROA of 1.66%, down 29 bps year over year; NIM at 2.51%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 27.39% of deposits as of Q1 2007.

Financial Results

Return on Assets (YTD, annualized)

1.66%-29 bps YoY

Net Interest Margin (YTD, annualized)

2.51%-23 bps YoY

Efficiency Ratio (YTD, annualized)

42.59%+401 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2006Q2 2006Q3 2006Q4 2006Q1 2007YoY ΔTrend
Earnings
Return on Assets1.95%1.93%1.91%1.80%1.66%-29 bps
Return on Equity16.58%16.55%15.83%14.50%11.99%-459 bps
Net Interest Margin2.73%2.76%2.77%2.76%2.51%-23 bps
Efficiency Ratio38.58%38.96%39.03%42.56%42.59%+401 bps
Non-Interest Burden0.77%0.79%0.80%0.89%0.82%+5 bps
Growth
Asset Growth (YoY)-0.59%-1.77%1.71%-1.66%-2.24%-165 bps
Loan Growth (YoY)-2.23%-7.15%-5.04%-3.20%-1.59%+65 bps
Deposit Growth (YoY)1.25%2.65%4.07%-1.59%-2.57%-381 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%0.24%0.22%0.20%0.27%+20 bps
Allowance / Loans1.32%1.07%1.01%1.24%1.18%-13 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 Capital20.78%22.63%22.42%25.00%24.44%+366 bps
Equity / Assets11.80%11.45%13.44%13.59%14.09%+229 bps
Liquidity & Funding
Loans / Deposits27.12%33.24%34.83%27.51%27.39%+27 bps
Liquid Assets / Assets3.82%2.05%0.21%1.71%2.20%-162 bps
CRE / Total Capitaln/an/an/an/an/an/an/a