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First National Bank of Benton

Benton, LA · Cert 25065

FDIC · 1 branch

Q4 2022

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 2022, the quarter ended December 31, 2022, 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

First National Bank of Benton

Benton, LA · Cert 25065

FDIC · 1 branch

Q4 2022

$82.9MAssets
$53.6MLoans
$67.2MDeposits
$13.9MEquity
Loan mix
95%RE $48.5M3%C&I $1.7M2%Consumer $1.0MQ4 2021Q4 2022
Deposit mix
72%Interest-bearing $48.5M28%Noninterest $18.8MQ4 2021Q4 2022

NIM

3.65%Q4 ’203.18%Q4 ’213.62%Q4 ’22-13%+14%

Non-interest income vs. expense

2.23%Q4 ’201.98%Q4 ’212.86%Q4 ’22-16%+22%

Market Position · Shreveport-Bossier City, LA · 2022 SOD (annual) · 0.6% share · #17 of 25 inst. · $0.1B of $10.7B

Executive Summary

  • Earnings: ROA of 2.19%, up 130 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.89% of loans (-53 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.02%, down 10 bps from a year ago.
  • Funding: loans stand at 79.74% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

2.19%+130 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+40 bps YoY

Efficiency Ratio (YTD, annualized)

72.19%+719 bps YoY

Tier 1 Leverage Ratio

16.02%-10 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.89%0.77%0.92%2.70%2.19%+130 bps
Return on Equity5.31%4.79%5.74%16.64%13.41%+810 bps
Net Interest Margin2.75%2.76%2.96%3.24%3.14%+40 bps
Efficiency Ratio65.00%67.73%63.69%60.66%72.19%+719 bps
Non-Interest Burden1.68%1.78%1.79%1.87%2.04%+36 bps
Growth
Asset Growth (YoY)8.05%12.69%10.26%8.27%8.77%+72 bps
Loan Growth (YoY)0.61%3.30%8.68%14.99%18.78%+1,817 bps
Deposit Growth (YoY)6.18%16.25%13.05%11.07%12.23%+604 bps
Asset Quality
Nonperforming Loans / Loans1.43%0.88%0.88%0.81%0.89%-53 bps
Net Charge-Offs / Loans-0.06%-0.05%-0.02%0.01%0.00%+7 bps
Allowance / Loans3.67%3.52%3.36%1.33%1.32%-235 bps
Allowance Coverage of NPLs2.6x4.0x3.8x1.6x1.5x-1.1x
Capital
Tier 1 Leverage Ratio16.12%16.05%16.05%17.57%16.02%-10 bps
Total Risk-Based Capital16.12%16.05%16.05%17.57%16.02%-10 bps
Equity / Assets16.45%15.80%15.83%16.77%16.74%+29 bps
Liquidity & Funding
Loans / Deposits75.34%75.02%78.54%80.11%79.74%+440 bps
Liquid Assets / Assets30.28%23.61%17.32%15.82%15.00%-1,528 bps
CRE / Total Capitaln/an/an/an/an/an/an/a