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First Delta Bank

Tyronza, AR · Cert 17047

FDIC · 3 branches

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

First Delta Bank

Tyronza, AR · Cert 17047

FDIC · 3 branches

Q3 2019

$61.1MAssets
$20.7MLoans
$52.8MDeposits
$8.2MEquity
Loan mix
63%RE $6.3M34%C&I $3.5M3%Consumer $0.3MQ3 2018Q3 2019
Deposit mix
75%Interest-bearing $39.5M25%Noninterest $13.3MQ3 2018Q3 2019

NIM

3.28%Q3 ’173.13%Q3 ’181.14%Q3 ’19-10%-61%

Non-interest income vs. expense

2.48%Q3 ’172.26%Q3 ’180.83%Q3 ’19-10%-62%

Market Position · Jonesboro, AR · 2019 SOD (annual) · 1.7% share · #17 of 20 inst. · $0.1B of $3.1B

Executive Summary

  • Earnings: ROA of -0.64%, down 145 bps year over year; NIM at 1.05%.
  • Asset quality: problem loans at 0.86% of loans (+67 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.38%, up 38 bps from a year ago.
  • Funding: loans stand at 39.18% of deposits as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-0.64%-145 bps YoY

Net Interest Margin (YTD, annualized)

1.05%-167 bps YoY

Efficiency Ratio (YTD, annualized)

71.59%+25 bps YoY

Tier 1 Leverage Ratio

10.38%+38 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets0.80%0.83%0.42%0.49%-0.64%-145 bps
Return on Equity9.21%9.42%4.24%4.73%-5.78%-1,499 bps
Net Interest Margin2.72%2.83%2.93%2.98%1.05%-167 bps
Efficiency Ratio71.34%70.26%79.21%78.30%71.59%+25 bps
Non-Interest Burden1.81%1.85%2.23%2.23%0.69%-112 bps
Growth
Asset Growth (YoY)10.05%1.61%1.61%-9.89%-10.36%-2,041 bps
Loan Growth (YoY)8.18%16.91%2.95%-18.19%-18.82%-2,699 bps
Deposit Growth (YoY)9.84%-1.76%0.03%-2.07%-4.59%-1,444 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.32%0.37%0.99%0.86%+67 bps
Net Charge-Offs / Loans0.00%-0.05%0.00%0.69%0.00%0 bps
Allowance / Loans1.85%2.93%3.34%2.38%0.00%-185 bps
Allowance Coverage of NPLs9.8x9.2x9.1x2.4x0.0x-9.8x
Capital
Tier 1 Leverage Ratio10.00%9.86%11.52%11.50%10.38%+38 bps
Total Risk-Based Capital21.25%25.99%25.99%26.25%20.65%-60 bps
Equity / Assets8.00%9.16%10.62%11.49%13.35%+535 bps
Liquidity & Funding
Loans / Deposits46.05%29.97%27.08%34.17%39.18%-686 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a