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Letter portraitLegal landscapeQuarterYTD

Perry County Bank, The

Perryville, AR · Cert 16355

FDIC

Q1 2008

$130.3MAssets
$72.5MLoans
$92.7MDeposits
$26.4MEquity
Loan mix
89%RE $55.7M10%C&I $6.3M1%Consumer $0.3MQ1 2007Q1 2008
Deposit mix
89%Interest-bearing $82.5M11%Noninterest $10.3MQ1 2007Q1 2008

NIM

6.38%Q1 ’067.29%Q1 ’076.22%Q1 ’08+4%-18%

Non-interest income vs. expense

2.55%Q1 ’062.84%Q1 ’072.35%Q1 ’08+16%-18%

Executive Summary

  • Earnings: ROA of 2.13%, up 244 bps year over year; NIM at 3.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.18%.
  • Funding: loans stand at 78.19% of deposits as of Q1 2008.

Financial Results

Return on Assets (YTD, annualized)

2.13%+244 bps YoY

Net Interest Margin (YTD, annualized)

3.31%-72 bps YoY

Efficiency Ratio (YTD, annualized)

61.15%+22 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2007Q2 2007Q3 2007Q4 2007Q1 2008YoY ΔTrend
Earnings
Return on Assets-0.30%0.63%0.98%1.13%2.13%+244 bps
Return on Equity-2.96%6.09%9.29%10.45%13.04%+1,600 bps
Net Interest Margin4.03%4.26%4.24%4.25%3.31%-72 bps
Efficiency Ratio60.93%63.22%63.44%63.55%61.15%+22 bps
Non-Interest Burden2.20%2.51%2.50%2.51%1.82%-39 bps
Growth
Asset Growth (YoY)4.75%-0.30%-3.24%-7.10%2.97%-177 bps
Loan Growth (YoY)11.58%2.37%-6.81%-9.55%-10.42%-2,200 bps
Deposit Growth (YoY)7.90%-1.20%-2.42%-5.96%-6.77%-1,467 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.04%-0.01%0.06%0.05%0.18%+23 bps
Allowance / Loans1.72%1.79%1.77%1.83%1.81%+9 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 Capital15.92%16.46%17.11%18.16%17.91%+198 bps
Equity / Assets10.42%10.51%10.94%11.98%20.28%+986 bps
Liquidity & Funding
Loans / Deposits81.38%83.85%79.85%80.70%78.19%-319 bps
Liquid Assets / Assets1.47%1.54%1.43%1.44%0.01%-146 bps
CRE / Total Capitaln/an/an/an/an/an/an/a