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Bank of Evening Shade

Evening Shade, AR · Cert 1751

FDIC

Q4 2002

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: Q4 2002, the quarter ended December 31, 2002, 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

Bank of Evening Shade

Evening Shade, AR · Cert 1751

FDIC

Q4 2002

$17.0MAssets
$10.3MLoans
$15.5MDeposits
$1.3MEquity
Deposit mix
94%Interest-bearing $14.5M6%Noninterest $1.0MQ4 2001Q4 2002

NIM

7.75%Q1 ’017.52%Q4 ’015.97%Q4 ’02+3%+11%

Non-interest income vs. expense

3.16%Q1 ’013.55%Q4 ’013.57%Q4 ’02+20%-17%

Executive Summary

  • Earnings: ROA of 0.44%, down 2 bps year over year; NIM at 3.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.11%.
  • Funding: loans stand at 66.62% of deposits as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.44%-2 bps YoY

Net Interest Margin (YTD, annualized)

3.75%+37 bps YoY

Efficiency Ratio (YTD, annualized)

70.53%-1,359 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2001Q1 2002Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.46%0.50%0.11%0.30%0.44%-2 bps
Return on Equityn/a5.76%1.26%3.40%5.16%n/a
Net Interest Margin3.38%4.22%4.17%3.95%3.75%+37 bps
Efficiency Ratio84.12%64.74%71.31%71.89%70.53%-1,359 bps
Non-Interest Burden2.71%2.35%2.67%2.56%2.25%-46 bps
Growth
Asset Growth (YoY)2.17%-3.48%-3.05%11.69%18.18%+1,601 bps
Loan Growth (YoY)-9.04%-10.47%0.62%8.09%26.91%+3,595 bps
Deposit Growth (YoY)2.33%-3.09%-3.35%12.68%19.26%+1,693 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.84%-0.05%0.26%0.21%0.11%-73 bps
Allowance / Loans0.54%1.05%1.30%1.36%1.44%+90 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 Capital15.76%16.71%16.47%15.90%15.06%-70 bps
Equity / Assets8.86%8.62%9.28%8.45%7.76%-110 bps
Liquidity & Funding
Loans / Deposits62.60%60.53%65.55%61.92%66.62%+401 bps
Liquid Assets / Assets4.43%2.37%4.08%2.06%1.94%-249 bps
CRE / Total Capitaln/an/an/an/an/an/an/a