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First National Bank at Paris, The

Paris, AR · Cert 14534

FDIC · 6 branches

Q4 2023

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: Q4 2023, the quarter ended December 31, 2023, 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

First National Bank at Paris, The

Paris, AR · Cert 14534

FDIC · 6 branches

Q4 2023

$262.2MAssets
$190.1MLoans
$221.9MDeposits
$30.5MEquity
Loan mix
81%RE $136.7M6%C&I $10.8M12%Consumer $20.2MQ4 2022Q4 2023
Deposit mix
70%Interest-bearing $154.2M30%Noninterest $67.7MQ4 2022Q4 2023

NIM

4.67%Q4 ’214.30%Q4 ’224.80%Q4 ’23-8%-12%

Non-interest income vs. expense

2.99%Q4 ’212.97%Q4 ’222.77%Q4 ’23-1%-7%

Executive Summary

  • Earnings: ROA of 1.39%, down 21 bps year over year; NIM at 3.69%.
  • Asset quality: problem loans at 0.27% of loans (+10 bps YoY), with net charge-offs at 0.14%.
  • Capital: tier 1 leverage ratio of 11.16%, down 19 bps from a year ago.
  • Funding: loans stand at 85.69% of deposits as of Q4 2023.

Financial Results

Return on Assets (YTD, annualized)

1.39%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.69%-50 bps YoY

Efficiency Ratio (YTD, annualized)

60.26%+263 bps YoY

Tier 1 Leverage Ratio

11.16%-19 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2022Q1 2023Q2 2023Q3 2023Q4 2023YoY ΔTrend
Earnings
Return on Assets1.60%1.41%1.37%1.35%1.39%-21 bps
Return on Equity14.05%12.34%12.11%11.94%12.26%-178 bps
Net Interest Margin4.19%3.95%3.88%3.78%3.69%-50 bps
Efficiency Ratio57.64%60.22%60.99%61.30%60.26%+263 bps
Non-Interest Burden1.92%1.92%1.92%1.88%1.79%-13 bps
Growth
Asset Growth (YoY)2.22%2.82%3.82%8.85%9.24%+702 bps
Loan Growth (YoY)9.59%9.58%11.59%10.65%8.23%-136 bps
Deposit Growth (YoY)-0.25%-1.05%-0.84%4.39%7.99%+824 bps
Asset Quality
Nonperforming Loans / Loans0.16%0.14%0.19%0.23%0.27%+10 bps
Net Charge-Offs / Loans0.14%0.20%0.13%0.15%0.14%0 bps
Allowance / Loans1.53%1.45%1.42%1.39%1.44%-9 bps
Allowance Coverage of NPLs9.3x10.3x7.6x6.0x5.4x-3.9x
Capital
Tier 1 Leverage Ratio11.35%11.63%11.42%11.44%11.16%-19 bps
Total Risk-Based Capital17.95%18.31%17.45%17.47%17.84%-11 bps
Equity / Assets11.13%11.65%11.28%11.01%11.63%+51 bps
Liquidity & Funding
Loans / Deposits85.50%84.87%87.43%85.83%85.69%+19 bps
Liquid Assets / Assets0.76%1.97%0.90%3.33%4.29%+354 bps
CRE / Total Capitaln/an/an/an/an/an/an/a