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National Bank of Arkansas in North Little Rock

North Little Rock, AR · Cert 23331

FDIC

Q3 2013

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 2013, the quarter ended September 30, 2013, 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 2026-10-10

National Bank of Arkansas in North Little Rock

North Little Rock, AR · Cert 23331

FDIC

Q3 2013

$183.3MAssets
$94.6MLoans
$156.6MDeposits
$14.8MEquity
Loan mix
83%RE $65.6M15%C&I $12.0M1%Consumer $1.1MQ3 2012Q3 2013
Deposit mix
85%Interest-bearing $132.7M15%Noninterest $23.9MQ3 2012Q3 2013

NIM

4.28%Q3 ’114.04%Q3 ’123.36%Q3 ’13+4%-17%

Non-interest income vs. expense

3.59%Q3 ’113.78%Q3 ’123.51%Q3 ’13-4%-2%

Executive Summary

  • Earnings: ROA of -0.18%, down 19 bps year over year; NIM at 2.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Funding: loans stand at 60.38% of deposits as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.18%-19 bps YoY

Net Interest Margin (YTD, annualized)

2.59%-52 bps YoY

Efficiency Ratio (YTD, annualized)

102.67%+1,173 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets0.00%0.00%0.00%1-0.05%-0.18%-19 bps
Return on Equity0.06%0.05%0.02%-0.55%-2.16%-222 bps
Net Interest Margin3.11%3.04%2.54%2.53%2.59%-52 bps
Efficiency Ratio90.94%91.18%95.87%97.48%102.67%+1,173 bps
Non-Interest Burden2.73%2.67%2.39%2.44%2.68%-5 bps
Growth
Asset Growth (YoY)-2.24%1.20%-3.40%-0.97%-3.03%-79 bps
Loan Growth (YoY)-9.99%-16.97%-13.93%-9.49%-8.21%+178 bps
Deposit Growth (YoY)1.17%5.68%-0.80%-0.06%-2.85%-402 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.61%0.98%-0.29%-0.16%-0.05%-66 bps
Allowance / Loans1.88%1.65%1.81%1.89%1.91%+2 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 Capital15.00%15.55%15.33%15.56%15.57%+56 bps
Equity / Assets8.68%8.66%8.64%8.31%8.07%-60 bps
Liquidity & Funding
Loans / Deposits63.90%60.31%62.00%60.83%60.38%-352 bps
Liquid Assets / Assets7.45%13.69%10.48%10.74%10.78%+333 bps
CRE / Total Capitaln/an/an/an/an/an/an/a