PackageTrendsPeer
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Bank of Fayetteville National Association

Fayetteville, AR · Cert 26975

FDIC · 8 branches

Q3 2015

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 2015, the quarter ended September 30, 2015, 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

Bank of Fayetteville National Association

Fayetteville, AR · Cert 26975

FDIC · 8 branches

Q3 2015

$344.8MAssets
$235.2MLoans
$300.9MDeposits
$40.5MEquity
Loan mix
78%RE $138.9M20%C&I $34.9M3%Consumer $4.7MQ3 2014Q3 2015
Deposit mix
96%Interest-bearing $287.4M4%Noninterest $13.5MQ3 2014Q3 2015

NIM

4.10%Q3 ’133.67%Q3 ’143.56%Q3 ’15-10%+1%

Non-interest income vs. expense

3.61%Q3 ’132.99%Q3 ’143.70%Q3 ’15-12%+33%

Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2015 SOD (annual) · 3.5% share · #5 of 38 inst. · $0.3B of $9.1B

Executive Summary

  • Earnings: ROA of 0.33%, down 43 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 10.46%.
  • Funding: loans stand at 78.19% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

0.33%-43 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+4 bps YoY

Efficiency Ratio (YTD, annualized)

88.25%+1,727 bps YoY

Tier 1 Leverage Ratio

10.46%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.76%0.74%0.71%0.72%0.33%-43 bps
Return on Equity6.13%6.03%6.06%6.22%2.81%-332 bps
Net Interest Margin3.40%3.38%3.41%3.51%3.43%+4 bps
Efficiency Ratio70.98%75.17%72.41%72.58%88.25%+1,727 bps
Non-Interest Burden2.17%2.34%2.22%2.30%2.90%+73 bps
Growth
Asset Growth (YoY)2.03%4.55%1.58%6.15%2.25%+22 bps
Loan Growth (YoY)6.92%2.76%9.42%11.90%3.00%-392 bps
Deposit Growth (YoY)2.88%5.78%3.84%8.71%4.46%+158 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.14%0.02%0.00%-0.02%-20 bps
Allowance / Loans1.19%1.26%1.18%1.19%1.21%+2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a10.72%10.71%10.46%n/a
Total Risk-Based Capital16.00%16.22%14.75%15.22%15.24%-76 bps
Equity / Assets12.28%11.72%11.73%11.36%11.74%-54 bps
Liquidity & Funding
Loans / Deposits79.29%74.91%78.03%75.09%78.19%-111 bps
Liquid Assets / Assets4.92%9.38%6.33%10.94%7.72%+280 bps
CRE / Total Capitaln/an/an/an/an/an/an/a