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Decatur State Bank

Decatur, AR · Cert 17346

FDIC · 3 branches

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Decatur State Bank

Decatur, AR · Cert 17346

FDIC · 3 branches

Q3 2014

$128.8MAssets
$97.5MLoans
$112.4MDeposits
$16.2MEquity
Loan mix
82%RE $63.2M15%C&I $11.4M3%Consumer $2.3MQ3 2013Q3 2014
Deposit mix
85%Interest-bearing $95.0M15%Noninterest $17.4MQ3 2013Q3 2014

NIM

4.71%Q3 ’124.95%Q3 ’135.34%Q3 ’14+11%+12%

Non-interest income vs. expense

4.91%Q3 ’124.13%Q3 ’132.64%Q3 ’14-9%+7%

Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2014 SOD (annual) · 1.5% share · #14 of 39 inst. · $0.1B of $8.6B

Executive Summary

  • Earnings: ROA of 0.18%, up 97 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.92%.
  • Funding: loans stand at 86.75% of deposits as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

0.18%+97 bps YoY

Net Interest Margin (YTD, annualized)

4.87%+52 bps YoY

Efficiency Ratio (YTD, annualized)

77.81%-1,132 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.79%0.01%3.54%-0.66%0.18%+97 bps
Return on Equity-12.60%0.13%34.17%-6.24%1.67%+1,427 bps
Net Interest Margin4.35%4.47%6.43%5.19%4.87%+52 bps
Efficiency Ratio89.13%78.54%43.54%92.28%77.81%-1,132 bps
Non-Interest Burden3.88%3.47%2.48%4.99%4.15%+27 bps
Growth
Asset Growth (YoY)-3.00%1.09%19.74%29.18%4.32%+732 bps
Loan Growth (YoY)2.19%18.04%55.42%63.17%9.31%+712 bps
Deposit Growth (YoY)-5.09%0.08%18.77%25.47%1.37%+646 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.41%0.40%-0.24%1.19%0.92%+50 bps
Allowance / Loans1.82%1.88%1.63%1.03%1.12%-71 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 Capital14.01%15.18%13.59%14.43%16.80%+279 bps
Equity / Assets9.93%10.51%10.22%10.83%12.58%+264 bps
Liquidity & Funding
Loans / Deposits80.44%78.20%85.99%84.95%86.75%+630 bps
Liquid Assets / Assets0.16%0.13%0.01%0.14%0.16%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a