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First National Bank at Marianna

Marianna, AR · Cert 14224

FDIC

Q1 2009

$56.8MAssets
$12.9MLoans
$49.0MDeposits
$7.6MEquity
Deposit mix
71%Interest-bearing $34.7M29%Noninterest $14.3MQ2 2007Q1 2009

Executive Summary

  • Earnings: ROA of 0.29%, down 52 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 26.27% of deposits as of Q1 2009.

Return on Assets (YTD, annualized)

0.29%-52 bps YoY

Net Interest Margin (YTD, annualized)

3.05%-81 bps YoY

Efficiency Ratio (YTD, annualized)

90.02%+1,403 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.50%Q1 ’075.18%Q1 ’083.71%Q1 ’09-3%-21%

Non-interest income vs. expense

3.12%Q1 ’073.38%Q1 ’083.15%Q1 ’09+12%-3%

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.95%0.93%0.80%0.81%1.76%1.42%1.11%0.29%-52 bps
Return on Equity7.96%7.63%6.49%6.35%13.47%10.63%8.39%2.23%-412 bps
Net Interest Margin4.14%4.40%4.15%3.87%3.78%3.98%3.63%3.05%-81 bps
Efficiency Ratio69.83%70.55%74.85%75.99%80.44%79.34%82.28%90.02%+1,403 bps
Non-Interest Burden2.71%2.91%2.96%2.80%2.94%3.05%2.90%2.70%-10 bps
Growth
Asset Growth (YoY)-4.37%-1.02%-1.87%-0.85%0.62%-1.18%2.39%2.64%+349 bps
Loan Growth (YoY)-0.90%-10.33%-10.11%-11.45%-16.76%-1.27%-14.27%-14.58%-313 bps
Deposit Growth (YoY)-5.81%-1.82%-3.01%-2.07%-0.35%-1.94%2.10%2.77%+484 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.18%0.20%0.03%-4.04%-2.28%-2.29%0.00%-3 bps
Allowance / Loans0.50%0.50%0.62%0.63%0.60%0.51%0.72%0.74%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital27.38%28.27%30.01%31.04%31.86%32.03%34.57%36.35%+531 bps
Equity / Assets12.33%13.25%12.45%13.15%13.51%14.29%13.03%13.37%+23 bps
Liquidity & Funding
Loans / Deposits40.93%41.83%31.65%31.60%34.19%42.12%26.57%26.27%-533 bps
Liquid Assets / Assets0.00%0.00%3.45%3.53%2.73%2.69%22.90%19.44%+1,591 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a