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Little River Bank

Lepanto, AR · Cert 1298

FDIC · 1 branch

Q3 2016

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 2016, the quarter ended September 30, 2016, 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

Little River Bank

Lepanto, AR · Cert 1298

FDIC · 1 branch

Q3 2016

$31.5MAssets
$13.9MLoans
$27.0MDeposits
$4.4MEquity
Loan mix
70%RE $5.8M15%C&I $1.2M15%Consumer $1.3MQ3 2015Q3 2016
Deposit mix
77%Interest-bearing $20.8M23%Noninterest $6.2MQ3 2015Q3 2016

NIM

3.45%Q3 ’143.45%Q3 ’152.95%Q3 ’16+0%-15%

Non-interest income vs. expense

3.69%Q3 ’143.82%Q3 ’153.86%Q3 ’16+0%-1%

Market Position · Jonesboro, AR · 2016 SOD (annual) · 1.0% share · #18 of 20 inst. · $0.0B of $2.6B

Executive Summary

  • Earnings: ROA of -0.64%, down 58 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 13.61%, up 42 bps from a year ago.
  • Funding: loans stand at 51.44% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.64%-58 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-49 bps YoY

Efficiency Ratio (YTD, annualized)

116.33%+1,450 bps YoY

Tier 1 Leverage Ratio

13.61%+42 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.05%-0.19%-0.34%-0.69%-0.64%-58 bps
Return on Equity-0.45%-1.55%-2.81%-5.56%-4.97%-452 bps
Net Interest Margin3.28%3.02%2.64%2.65%2.79%-49 bps
Efficiency Ratio101.83%104.91%115.47%120.97%116.33%+1,450 bps
Non-Interest Burden3.35%3.19%3.11%3.30%3.33%-2 bps
Growth
Asset Growth (YoY)-3.04%-2.97%-4.99%-4.82%-9.54%-650 bps
Loan Growth (YoY)-6.12%-5.28%-7.05%-5.93%-4.48%+164 bps
Deposit Growth (YoY)-4.69%-3.45%-5.70%-5.59%-10.56%-588 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.99%0.99%-0.18%0.12%0.23%-76 bps
Allowance / Loans2.02%2.83%2.81%2.44%2.39%+38 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.19%12.26%12.41%12.76%13.61%+42 bps
Total Risk-Based Capital28.54%33.00%32.05%31.75%30.90%+236 bps
Equity / Assets12.94%11.69%12.51%13.37%14.06%+111 bps
Liquidity & Funding
Loans / Deposits48.16%32.91%34.94%45.46%51.44%+328 bps
Liquid Assets / Assets0.16%0.15%0.16%0.17%0.18%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a