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Letter portraitLegal landscapeQuarterYTD

Bank of Yellville, The

Yellville, AR · Cert 16354

FDIC

Q2 2003

$236.9MAssets
$149.8MLoans
$194.0MDeposits
$30.4MEquity
Loan mix
44%RE $50.2M55%C&I $62.7M1%Consumer $1.1MQ2 2002Q2 2003
Deposit mix
91%Interest-bearing $177.1M9%Noninterest $16.9MQ2 2002Q2 2003

NIM

8.27%Q2 ’016.98%Q2 ’022.12%Q2 ’030%-66%

Non-interest income vs. expense

2.56%Q2 ’012.47%Q2 ’021.06%Q2 ’03+10%-55%

Executive Summary

  • Earnings: ROA of 0.23%, down 105 bps year over year; NIM at 1.34%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.39%.
  • Funding: loans stand at 77.21% of deposits as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

0.23%-105 bps YoY

Net Interest Margin (YTD, annualized)

1.34%-255 bps YoY

Efficiency Ratio (YTD, annualized)

68.90%+1,319 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.28%1.35%1.36%1.37%0.23%-105 bps
Return on Equity17.86%18.49%18.50%17.31%2.37%-1,549 bps
Net Interest Margin3.89%3.98%4.01%4.12%1.34%-255 bps
Efficiency Ratio55.71%54.11%54.84%52.65%68.90%+1,319 bps
Non-Interest Burden1.93%1.88%1.91%1.90%0.86%-107 bps
Growth
Asset Growth (YoY)13.24%16.29%7.64%6.41%18.83%+558 bps
Loan Growth (YoY)10.17%11.63%13.78%10.50%8.28%-188 bps
Deposit Growth (YoY)11.34%14.68%9.13%7.35%14.29%+295 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.12%0.18%0.40%0.39%+25 bps
Allowance / Loans1.22%1.27%1.22%1.22%1.60%+38 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 Capital12.67%12.70%12.63%12.73%12.45%-22 bps
Equity / Assets7.50%7.56%7.71%8.12%12.82%+532 bps
Liquidity & Funding
Loans / Deposits81.49%78.20%81.85%82.89%77.21%-428 bps
Liquid Assets / Assets3.18%2.64%2.34%1.92%0.45%-273 bps
CRE / Total Capitaln/an/an/an/an/an/an/a