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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 $1.1MQ4 2011Q3 2013
Deposit mix
85%Interest-bearing $132.7M15%Noninterest $23.9MQ4 2011Q3 2013

Executive Summary

  • Earnings: ROA of -0.46%, down 20 bps year over year; NIM at 2.66%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.19%.
  • Funding: loans stand at 60.38% of deposits as of Q3 2013.

Return on Assets (quarter, annualized)

-0.46%-20 bps YoY

Net Interest Margin (quarter, annualized)

2.66%-24 bps YoY

Efficiency Ratio (quarter, annualized)

114.78%+1,361 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.18%Q3 ’113.75%Q3 ’123.42%Q3 ’13-4%-8%

Non-interest income vs. expense

3.47%Q3 ’114.04%Q3 ’123.53%Q3 ’13-2%+6%

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.36%0.08%0.19%-0.26%0.00%0.00%1-0.10%-0.46%-20 bps
Return on Equity-4.16%0.88%2.26%-2.96%0.02%0.02%-1.13%-5.57%-261 bps
Net Interest Margin3.10%3.20%3.18%2.90%2.85%2.54%2.52%2.66%-24 bps
Efficiency Ratio99.95%84.28%88.00%101.17%91.96%95.87%99.15%114.78%+1,361 bps
Non-Interest Burden3.10%2.53%2.68%2.94%2.53%2.39%2.49%3.11%+17 bps
Growth
Asset Growth (YoY)-4.31%-1.79%-2.85%-2.24%1.20%-3.40%-0.97%-3.03%-79 bps
Loan Growth (YoY)-7.75%-3.18%-3.46%-9.99%-16.97%-13.93%-9.49%-8.21%+178 bps
Deposit Growth (YoY)-2.75%1.38%0.05%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.89%0.27%1.24%0.22%1.97%-0.29%-0.03%0.19%-3 bps
Allowance / Loans1.60%1.80%1.76%1.88%1.65%1.81%1.89%1.91%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital13.62%14.13%14.38%15.00%15.55%15.33%15.56%15.57%+56 bps
Equity / Assets8.83%8.40%8.80%8.68%8.66%8.64%8.31%8.07%-60 bps
Liquidity & Funding
Loans / Deposits76.76%71.46%67.18%63.90%60.31%62.00%60.83%60.38%-352 bps
Liquid Assets / Assets0.12%0.13%6.67%7.45%13.69%10.48%10.74%10.78%+333 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a