Springdale Bank & Trust

Springdale, AR · Cert 11249

FDIC

Q3 2001

$307.8MAssets

$238.6MLoans

$254.8MDeposits

$30.6MEquity

Loan mix

Deposit mix

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.

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.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	0.97%	0.92%	0.97%	0.93%	0.82%	1.10%	1.25%	1.33%	+41 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	4.02%	4.13%	4.14%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	70.27%	67.93%	67.25%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	2.01%	1.83%	1.74%	n/a
Growth
Asset Growth (YoY)	10.46%	38.90%	41.97%	42.80%	41.08%	4.38%	1.74%	3.60%	-3,919 bps
Loan Growth (YoY)	18.05%	42.65%	42.72%	40.26%	40.05%	14.41%	10.42%	10.04%	-3,022 bps
Deposit Growth (YoY)	2.79%	44.89%	40.85%	47.36%	47.44%	5.33%	7.45%	7.34%	-4,002 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	0.08%	0.04%	0.02%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	1.41%	1.44%	1.48%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	11.13%	11.45%	11.77%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	9.37%	9.73%	9.94%	n/a
Liquidity & Funding
Loans / Deposits	98.22%	83.56%	91.85%	91.34%	93.30%	90.77%	94.39%	93.63%	+229 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.04%	0.05%	0.04%	+4 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a