PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

5.48%Q4 ’094.75%Q4 ’104.11%Q4 ’11-6%-12%

Non-interest income vs. expense

2.90%Q4 ’092.74%Q4 ’102.49%Q4 ’11-5%-11%

Executive Summary

  • Earnings: ROA of 0.84%, up 336 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.42%.
  • Funding: loans stand at 50.42% of deposits as of Q4 2011.

Financial Results

Return on Assets (quarter, annualized)

0.84%+336 bps YoY

Net Interest Margin (quarter, annualized)

3.12%-43 bps YoY

Efficiency Ratio (quarter, annualized)

70.48%+105 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2010Q1 2011Q2 2011Q3 2011Q4 2011YoY ΔTrend
Earnings
Return on Assets-2.52%0.85%0.87%0.96%0.84%+336 bps
Return on Equity-27.58%9.71%9.49%9.83%8.43%+3,601 bps
Net Interest Margin3.55%3.37%3.39%3.45%3.12%-43 bps
Efficiency Ratio69.43%67.27%66.82%65.19%70.48%+105 bps
Non-Interest Burden2.34%2.15%2.15%2.18%2.07%-26 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 / Loans10.95%-0.07%0.24%-0.02%0.42%-1,053 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