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Eagle Bank and Trust Company

Little Rock, AR · Cert 19662

FDIC

Q4 2011

$137.7MAssets
$56.6MLoans
$112.3MDeposits
$13.5MEquity
Loan mix
87%RE $37.8M8%C&I $3.3M5%Consumer $2.3MQ4 2010Q4 2011
Deposit mix
78%Interest-bearing $87.7M22%Noninterest $24.6MQ4 2010Q4 2011

NIM

5.37%Q4 ’094.85%Q4 ’104.43%Q4 ’11+0%-3%

Non-interest income vs. expense

2.82%Q4 ’092.69%Q4 ’102.49%Q4 ’11-5%-6%

Executive Summary

  • Earnings: ROA of 0.88%, up 91 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 50.42% of deposits as of Q4 2011.

Financial Results

Return on Assets (YTD, annualized)

0.88%+91 bps YoY

Net Interest Margin (YTD, annualized)

3.36%-9 bps YoY

Efficiency Ratio (YTD, annualized)

67.40%-255 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-0.03%0.85%0.86%0.90%0.88%+91 bps
Return on Equity-0.30%9.71%9.58%9.67%9.38%+968 bps
Net Interest Margin3.45%3.37%3.35%3.40%3.36%-9 bps
Efficiency Ratio69.94%67.27%67.04%66.43%67.40%-255 bps
Non-Interest Burden2.29%2.15%2.13%2.15%2.15%-14 bps
Growth
Asset Growth (YoY)3.61%0.24%1.08%0.17%1.74%-187 bps
Loan Growth (YoY)-10.08%-5.49%-3.47%-4.73%-2.59%+750 bps
Deposit Growth (YoY)1.92%0.23%1.16%-0.24%2.66%+74 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.93%-0.07%0.09%0.05%0.14%-278 bps
Allowance / Loans1.46%1.55%1.53%1.62%1.60%+14 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 Capital16.29%16.51%16.64%17.49%17.86%+158 bps
Equity / Assets8.77%8.79%9.54%10.02%9.82%+105 bps
Liquidity & Funding
Loans / Deposits53.14%50.81%53.62%53.12%50.42%-271 bps
Liquid Assets / Assets0.08%0.09%0.05%0.10%0.08%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a