PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank in Blytheville, The

Blytheville, AR · Cert 15529

FDIC

Q1 2010

$253.1MAssets
$77.3MLoans
$225.3MDeposits
$25.6MEquity
Deposit mix
88%Interest-bearing $198.4M12%Noninterest $26.9MQ1 2009Q1 2010

NIM

5.22%Q1 ’084.30%Q1 ’093.49%Q1 ’10-6%-12%

Non-interest income vs. expense

2.25%Q1 ’082.20%Q1 ’092.16%Q1 ’10+2%-124%

Executive Summary

  • Earnings: ROA of 1.81%, up 87 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 34.33% of deposits as of Q1 2010.

Financial Results

Return on Assets (YTD, annualized)

1.81%+87 bps YoY

Net Interest Margin (YTD, annualized)

2.20%-29 bps YoY

Efficiency Ratio (YTD, annualized)

45.47%-2,676 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2009Q2 2009Q3 2009Q4 2009Q1 2010YoY ΔTrend
Earnings
Return on Assets0.94%0.73%0.76%0.47%1.81%+87 bps
Return on Equity9.08%6.94%7.10%4.49%18.35%+927 bps
Net Interest Margin2.49%2.52%2.75%0.46%2.20%-29 bps
Efficiency Ratio72.23%75.36%73.25%59.19%45.47%-2,676 bps
Non-Interest Burden1.65%1.76%1.85%0.11%-0.39%-204 bps
Growth
Asset Growth (YoY)4.62%-0.73%-0.76%20.13%18.87%+1,425 bps
Loan Growth (YoY)1.72%-0.12%1.85%2.35%2.99%+128 bps
Deposit Growth (YoY)9.57%1.13%3.00%21.87%18.89%+932 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.53%0.40%0.00%0.03%-2 bps
Allowance / Loans1.05%0.80%0.81%1.13%1.16%+11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital21.23%20.22%19.57%17.14%16.28%-496 bps
Equity / Assets10.22%10.67%11.47%9.66%10.11%-11 bps
Liquidity & Funding
Loans / Deposits39.63%45.73%51.68%33.87%34.33%-530 bps
Liquid Assets / Assets10.34%9.34%4.25%16.23%9.68%-65 bps
CRE / Total Capitaln/an/an/an/an/an/an/a