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De Witt Bank and Trust Company

De Witt, AR · Cert 1522

FDIC · 2 branches

Q2 2019

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: Q2 2019, the quarter ended June 30, 2019, 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

De Witt Bank and Trust Company

De Witt, AR · Cert 1522

FDIC · 2 branches

Q2 2019

$89.0MAssets
$27.0MLoans
$77.8MDeposits
$9.8MEquity
Loan mix
90%RE $12.7M8%C&I $1.1M2%Consumer $0.3MQ2 2018Q2 2019
Deposit mix
67%Interest-bearing $52.2M33%Noninterest $25.5MQ2 2018Q2 2019

NIM

3.54%Q2 ’173.24%Q2 ’180.28%Q2 ’19-8%-91%

Non-interest income vs. expense

2.34%Q2 ’172.35%Q2 ’180.05%Q2 ’19+37%-99%

Executive Summary

  • Earnings: ROA of 0.17%, down 88 bps year over year; NIM at 0.27%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.89%, down 1,006 bps from a year ago.
  • Funding: loans stand at 34.72% of deposits as of Q2 2019.

Financial Results

Return on Assets (YTD, annualized)

0.17%-88 bps YoY

Net Interest Margin (YTD, annualized)

0.27%-289 bps YoY

Efficiency Ratio (YTD, annualized)

17.32%-5,359 bps YoY

Tier 1 Leverage Ratio

7.89%-1,006 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2018Q3 2018Q4 2018Q1 2019Q2 2019YoY ΔTrend
Earnings
Return on Assets1.05%1.19%2.64%2.25%0.17%-88 bps
Return on Equity5.66%6.50%14.44%12.08%1.03%-464 bps
Net Interest Margin3.16%3.29%3.27%2.97%0.27%-289 bps
Efficiency Ratio70.91%67.30%71.71%46.05%17.32%-5,359 bps
Non-Interest Burden2.13%2.11%2.20%0.71%0.03%-210 bps
Growth
Asset Growth (YoY)-8.42%0.97%0.42%2.76%-6.57%+184 bps
Loan Growth (YoY)-14.63%-4.66%-2.40%4.35%-12.77%+186 bps
Deposit Growth (YoY)2.92%4.29%2.03%1.78%0.53%-240 bps
Asset Quality
Nonperforming Loans / Loans0.00%14.21%18.62%19.64%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.22%-0.25%0.00%0.00%+6 bps
Allowance / Loans7.52%6.76%3.25%3.42%0.00%-752 bps
Allowance Coverage of NPLsn/a0.5x0.2x0.2xn/an/a
Capital
Tier 1 Leverage Ratio17.95%18.01%17.53%18.18%7.89%-1,006 bps
Total Risk-Based Capital26.41%25.25%27.31%28.86%15.20%-1,122 bps
Equity / Assets18.11%17.47%18.27%18.98%11.05%-706 bps
Liquidity & Funding
Loans / Deposits40.02%46.36%35.08%32.46%34.72%-529 bps
Liquid Assets / Assets0.28%0.30%0.30%0.29%20.51%+2,024 bps
CRE / Total Capitaln/an/an/an/an/an/an/a