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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

8.41%Q2 ’017.00%Q2 ’02-1.89%Q2 ’030%-130%

Non-interest income vs. expense

2.67%Q2 ’012.45%Q2 ’02-0.21%Q2 ’03+0%-104%

Executive Summary

  • Earnings: ROA of -0.84%, down 229 bps year over year; NIM at -1.21%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.38%.
  • Funding: loans stand at 77.21% of deposits as of Q2 2003.

Financial Results

Return on Assets (quarter, annualized)

-0.84%-229 bps YoY

Net Interest Margin (quarter, annualized)

-1.21%-525 bps YoY

Efficiency Ratio (quarter, annualized)

68.90%+1,666 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets1.44%1.49%1.40%1.37%-0.84%-229 bps
Return on Equity19.79%19.75%18.33%17.31%-7.95%-2,774 bps
Net Interest Margin4.04%4.24%4.25%4.12%-1.21%-525 bps
Efficiency Ratio52.24%51.28%56.83%52.65%68.90%+1,666 bps
Non-Interest Burden1.79%1.81%2.10%1.90%-0.07%-187 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 / Loans0.04%0.08%0.38%0.40%0.38%+34 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