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Springdale Bank & Trust

Springdale, AR · Cert 11249

FDIC

Q3 2001

$307.8MAssets
$238.6MLoans
$254.8MDeposits
$30.6MEquity
Loan mix
69%RE $79.7M29%C&I $33.3M2%Consumer $2.4MQ3 2000Q3 2001
Deposit mix
85%Interest-bearing $217.8M15%Noninterest $37.0MQ3 2000Q3 2001

NIM

7.88%Q1 ’017.77%Q2 ’017.54%Q3 ’01+3%+0%

Non-interest income vs. expense

4.77%Q1 ’014.88%Q2 ’014.93%Q3 ’01-9%-5%

Executive Summary

  • Earnings: ROA of 1.33%, up 41 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 93.63% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

1.33%+41 bps YoY

Net Interest Margin (YTD, annualized)

4.14%

Efficiency Ratio (YTD, annualized)

67.25%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets0.93%0.82%1.10%1.25%1.33%+41 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a4.02%4.13%4.14%n/a
Efficiency Ration/an/a70.27%67.93%67.25%n/a
Non-Interest Burdenn/an/a2.01%1.83%1.74%n/a
Growth
Asset Growth (YoY)42.80%41.08%4.38%1.74%3.60%-3,919 bps
Loan Growth (YoY)40.26%40.05%14.41%10.42%10.04%-3,022 bps
Deposit Growth (YoY)47.36%47.44%5.33%7.45%7.34%-4,002 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.08%0.04%0.02%n/a
Allowance / Loansn/an/a1.41%1.44%1.48%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/an/a11.13%11.45%11.77%n/a
Equity / Assetsn/an/a9.37%9.73%9.94%n/a
Liquidity & Funding
Loans / Deposits91.34%93.30%90.77%94.39%93.63%+229 bps
Liquid Assets / Assets0.00%0.00%0.04%0.05%0.04%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a