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First Federal Bank

Harrison, AR · Cert 28982

FDIC · 13 branches

Q4 2014

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 2014, the quarter ended December 31, 2014, 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 Federal Bank

Harrison, AR · Cert 28982

FDIC · 13 branches

Q4 2014

$603.8MAssets
$435.0MLoans
$509.5MDeposits
$69.2MEquity
Loan mix
84%RE $265.5M15%C&I $47.0M1%Consumer $4.0MQ4 2013Q4 2014
Deposit mix
93%Interest-bearing $476.2M7%Noninterest $33.3MQ4 2013Q4 2014

NIM

3.89%Q4 ’123.40%Q4 ’133.38%Q4 ’14-9%-1%

Non-interest income vs. expense

4.15%Q4 ’123.55%Q4 ’133.33%Q4 ’14-14%-3%

Market Position · Fayetteville-Springdale-Rogers, AR-MO · 2014 SOD (annual) · 1.1% share · #20 of 39 inst. · $0.1B of $8.6B

32.3% Boone
11.3% Baxter
1.2% Washington
1.1% Benton

Executive Summary

  • Earnings: ROA of 3.81%, up 355 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 85.38% of deposits as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

3.81%+355 bps YoY

Net Interest Margin (YTD, annualized)

2.75%-3 bps YoY

Efficiency Ratio (YTD, annualized)

91.93%-137 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.26%-0.08%0.05%5.04%3.81%+355 bps
Return on Equity1.99%-0.66%0.44%44.51%33.55%+3,156 bps
Net Interest Margin2.78%2.78%2.73%2.79%2.75%-3 bps
Efficiency Ratio93.30%102.34%100.71%98.11%91.93%-137 bps
Non-Interest Burden2.52%2.86%2.75%2.72%2.45%-7 bps
Growth
Asset Growth (YoY)3.48%3.95%7.59%13.48%10.01%+653 bps
Loan Growth (YoY)8.57%13.92%17.94%18.33%12.09%+352 bps
Deposit Growth (YoY)3.04%3.71%11.14%13.07%8.13%+509 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.76%0.23%0.26%0.17%0.14%-62 bps
Allowance / Loans3.28%3.09%2.96%2.81%2.78%-49 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 Capital18.68%17.97%12.05%12.36%12.68%-599 bps
Equity / Assets12.82%12.46%8.56%11.41%11.46%-136 bps
Liquidity & Funding
Loans / Deposits82.37%82.33%83.33%83.79%85.38%+302 bps
Liquid Assets / Assets7.62%8.06%3.80%5.21%2.30%-533 bps
CRE / Total Capitaln/an/an/an/an/an/an/a