PackageTrendsPeer
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First National Bank

Ashdown, AR · Cert 20360

FDIC

Q4 2005

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 2005, the quarter ended December 31, 2005, 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

Ashdown, AR · Cert 20360

FDIC

Q4 2005

$68.8MAssets
$31.3MLoans
$59.6MDeposits
$7.1MEquity
Deposit mix
90%Interest-bearing $53.9M10%Noninterest $5.8MQ4 2004Q4 2005

NIM

5.66%Q4 ’035.83%Q4 ’045.54%Q4 ’05+10%-13%

Non-interest income vs. expense

2.40%Q4 ’032.60%Q4 ’042.68%Q4 ’05+46%+10%

Executive Summary

  • Earnings: ROA of 1.06%, up 82 bps year over year; NIM at 3.95%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.24%.
  • Funding: loans stand at 52.44% of deposits as of Q4 2005.

Financial Results

Return on Assets (YTD, annualized)

1.06%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.95%-60 bps YoY

Efficiency Ratio (YTD, annualized)

59.25%+975 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.23%1.02%1.08%1.09%1.06%+82 bps
Return on Equity1.69%9.12%10.06%10.31%10.00%+831 bps
Net Interest Margin4.55%3.79%4.18%4.34%3.95%-60 bps
Efficiency Ratio49.50%55.78%56.60%57.75%59.25%+975 bps
Non-Interest Burden2.02%1.97%2.24%2.38%2.23%+21 bps
Growth
Asset Growth (YoY)-5.44%-7.68%-18.99%-19.41%-18.90%-1,345 bps
Loan Growth (YoY)-14.49%-27.77%-37.59%-41.40%-36.95%-2,246 bps
Deposit Growth (YoY)-2.38%-8.15%-15.34%-15.58%-17.52%-1,514 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.90%3.02%1.78%1.38%1.24%-66 bps
Allowance / Loans3.39%3.38%3.84%4.24%4.32%+92 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 Capital23.09%15.39%18.04%19.58%20.65%-244 bps
Equity / Assets14.03%8.17%9.84%10.06%10.32%-371 bps
Liquidity & Funding
Loans / Deposits68.59%61.61%58.96%52.47%52.44%-1,616 bps
Liquid Assets / Assets0.06%0.07%0.08%0.08%0.08%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a