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First National Bank of Crossett

Crossett, AR · Cert 1757

FDIC · 4 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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 National Bank of Crossett

Crossett, AR · Cert 1757

FDIC · 4 branches

Q3 2018

$153.5MAssets
$112.2MLoans
$130.2MDeposits
$16.1MEquity
Loan mix
46%RE $45.6M37%C&I $37.3M17%Consumer $17.1MQ3 2017Q3 2018
Deposit mix
73%Interest-bearing $95.0M27%Noninterest $35.2MQ3 2017Q3 2018

NIM

4.06%Q3 ’164.24%Q3 ’174.72%Q3 ’18+4%+9%

Non-interest income vs. expense

3.66%Q3 ’164.07%Q3 ’173.80%Q3 ’18+17%-14%

Executive Summary

  • Earnings: ROA of 1.43%, down 25 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 0.38% of loans (-65 bps YoY), with net recoveries of 0.06%.
  • Capital: tier 1 leverage ratio of 11.34%, down 5 bps from a year ago.
  • Funding: loans stand at 86.20% of deposits as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

1.43%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.41%+35 bps YoY

Efficiency Ratio (YTD, annualized)

63.82%-1,007 bps YoY

Tier 1 Leverage Ratio

11.34%-5 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets1.68%1.56%1.54%1.29%1.43%-25 bps
Return on Equity15.87%14.64%14.74%12.43%13.67%-220 bps
Net Interest Margin4.06%4.03%4.21%4.22%4.41%+35 bps
Efficiency Ratio73.89%72.86%64.18%65.59%63.82%-1,007 bps
Non-Interest Burden2.62%2.55%2.17%2.27%2.26%-36 bps
Growth
Asset Growth (YoY)2.98%1.93%2.75%6.01%-2.43%-542 bps
Loan Growth (YoY)2.92%8.45%14.94%25.92%22.82%+1,991 bps
Deposit Growth (YoY)5.37%0.89%1.69%4.60%-6.53%-1,190 bps
Asset Quality
Nonperforming Loans / Loans1.03%0.96%0.83%0.43%0.38%-65 bps
Net Charge-Offs / Loans0.11%0.07%-0.02%-0.09%-0.06%-17 bps
Allowance / Loans0.51%0.49%0.47%0.47%0.59%+8 bps
Allowance Coverage of NPLs0.5x0.5x0.6x1.1x1.6x+1.1x
Capital
Tier 1 Leverage Ratio11.39%11.28%11.05%10.78%11.34%-5 bps
Total Risk-Based Capital15.98%15.74%15.21%14.17%14.64%-134 bps
Equity / Assets10.62%10.83%10.11%10.30%10.49%-13 bps
Liquidity & Funding
Loans / Deposits65.60%69.94%72.53%81.82%86.20%+2,060 bps
Liquid Assets / Assets3.51%2.29%2.25%0.17%0.17%-334 bps
CRE / Total Capitaln/an/an/an/an/an/an/a