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One Bank & Trust

Little Rock, AR · Cert 17800

FDIC · 6 branches

Q2 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: Q2 2018, the quarter ended June 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

One Bank & Trust

Little Rock, AR · Cert 17800

FDIC · 6 branches

Q2 2018

$255.8MAssets
$194.9MLoans
$208.9MDeposits
$4.8MEquity
Loan mix
79%RE $142.3M14%C&I $26.0M7%Consumer $11.8MQ2 2017Q2 2018
Deposit mix
87%Interest-bearing $181.9M13%Noninterest $27.0MQ2 2017Q2 2018

NIM

3.60%Q2 ’163.59%Q2 ’173.69%Q2 ’18-1%-1%

Non-interest income vs. expense

4.94%Q2 ’164.89%Q2 ’174.43%Q2 ’18+1%-11%

Market Position · Little Rock-North Little Rock-Conway, AR · 2018 SOD (annual) · 1.0% share · #12 of 34 inst. · $0.2B of $20.5B

Executive Summary

  • Earnings: ROA of -1.41%, up 8 bps year over year; NIM at 2.82%.
  • Asset quality: problem loans at 2.19% of loans (-28 bps YoY), with net charge-offs at 0.62%.
  • Capital: tier 1 leverage ratio of 2.15%, down 130 bps from a year ago.
  • Funding: loans stand at 93.31% of deposits as of Q2 2018.

Financial Results

Return on Assets (YTD, annualized)

-1.41%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.82%-2 bps YoY

Efficiency Ratio (YTD, annualized)

130.46%-1,380 bps YoY

Tier 1 Leverage Ratio

2.15%-130 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets-1.49%-1.63%-1.67%-1.08%-1.41%+8 bps
Return on Equity-41.51%-47.31%-51.12%-45.71%-63.95%-2,244 bps
Net Interest Margin2.84%2.92%2.93%2.79%2.82%-2 bps
Efficiency Ratio144.26%141.27%139.50%133.06%130.46%-1,380 bps
Non-Interest Burden4.35%4.35%4.29%3.88%3.86%-49 bps
Growth
Asset Growth (YoY)-10.30%-10.86%-10.33%-10.81%-9.94%+36 bps
Loan Growth (YoY)0.54%3.03%-0.12%-8.95%-12.38%-1,293 bps
Deposit Growth (YoY)-14.52%-16.34%-16.16%-16.96%-9.14%+538 bps
Asset Quality
Nonperforming Loans / Loans2.47%3.11%2.71%1.94%2.19%-28 bps
Net Charge-Offs / Loans0.71%0.71%0.94%0.18%0.62%-9 bps
Allowance / Loans1.41%1.53%1.42%1.45%1.49%+8 bps
Allowance Coverage of NPLs0.6x0.5x0.5x0.7x0.7x+0.1x
Capital
Tier 1 Leverage Ratio3.45%3.10%2.68%2.49%2.15%-130 bps
Total Risk-Based Capital6.18%5.65%5.11%4.87%4.36%-182 bps
Equity / Assets3.35%2.94%2.51%2.23%1.86%-149 bps
Liquidity & Funding
Loans / Deposits96.76%97.63%94.75%93.14%93.31%-345 bps
Liquid Assets / Assets5.57%6.04%8.40%9.22%8.45%+287 bps
CRE / Total Capitaln/an/an/an/an/an/an/a