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Bank of Mansfield

Mansfield, AR · Cert 15653

FDIC

Q1 2002

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: Q1 2002, the quarter ended March 31, 2002, 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

Bank of Mansfield

Mansfield, AR · Cert 15653

FDIC

Q1 2002

$39.0MAssets
$23.3MLoans
$32.4MDeposits
$6.6MEquity
Deposit mix
87%Interest-bearing $28.4M13%Noninterest $4.1MQ1 2001Q1 2002

NIM

7.88%Q1 ’015.96%Q1 ’02+2%

Non-interest income vs. expense

2.83%Q1 ’012.15%Q1 ’02-46%

Executive Summary

  • Earnings: ROA of 2.60%, up 158 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.81%.
  • Funding: loans stand at 71.84% of deposits as of Q1 2002.

Financial Results

Return on Assets (YTD, annualized)

2.60%+158 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+8 bps YoY

Efficiency Ratio (YTD, annualized)

44.56%-2,113 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2001Q2 2001Q3 2001Q4 2001Q1 2002YoY ΔTrend
Earnings
Return on Assets1.02%0.61%0.11%0.21%2.60%+158 bps
Return on Equityn/an/an/an/a15.82%n/an/a
Net Interest Margin3.90%3.76%3.62%3.52%3.99%+8 bps
Efficiency Ratio65.69%67.16%80.91%76.87%44.56%-2,113 bps
Non-Interest Burden2.42%2.39%2.85%2.61%1.32%-111 bps
Growth
Asset Growth (YoY)4.74%6.08%10.41%4.80%0.94%-380 bps
Loan Growth (YoY)5.13%-0.66%-7.42%3.44%2.12%-301 bps
Deposit Growth (YoY)4.35%5.88%4.05%-2.07%-6.26%-1,061 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.25%1.05%1.26%1.12%0.81%+56 bps
Allowance / Loans0.91%0.79%1.09%1.02%0.83%-8 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 Capital18.26%18.32%16.39%15.84%16.62%-164 bps
Equity / Assets10.18%10.09%15.38%16.05%16.79%+661 bps
Liquidity & Funding
Loans / Deposits65.94%63.62%62.54%71.35%71.84%+589 bps
Liquid Assets / Assets9.46%13.16%12.61%13.06%11.94%+248 bps
CRE / Total Capitaln/an/an/an/an/an/an/a