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Arkansas Bankers Bank

Little Rock, AR · Cert 32960

FDIC

Q4 2010

$163.8MAssets
$31.8MLoans
$109.5MDeposits
$23.8MEquity
Deposit mix
0%Interest-bearing $0.0M100%Noninterest $109.5MQ4 2009Q4 2010

NIM

-5.72%Q4 ’083.07%Q4 ’092.88%Q4 ’10+158%-6%

Non-interest income vs. expense

-5.16%Q4 ’082.51%Q4 ’092.98%Q4 ’10+136%-24%

Executive Summary

  • Earnings: ROA of 0.84%, down 10 bps year over year; NIM at 2.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 29.07% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

0.84%-10 bps YoY

Net Interest Margin (quarter, annualized)

2.30%-14 bps YoY

Efficiency Ratio (quarter, annualized)

62.81%+376 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.95%2.02%1.40%1.41%0.84%-10 bps
Return on Equity6.97%15.02%10.09%9.71%5.74%-122 bps
Net Interest Margin2.44%2.22%2.41%2.56%2.30%-14 bps
Efficiency Ratio59.04%59.36%63.13%64.59%62.81%+376 bps
Non-Interest Burden0.69%0.44%0.75%0.58%0.53%-16 bps
Growth
Asset Growth (YoY)-9.12%-27.53%-3.01%0.62%-1.58%+754 bps
Loan Growth (YoY)-7.47%-1.78%2.42%6.25%-5.75%+172 bps
Deposit Growth (YoY)-14.27%-34.93%3.41%3.83%0.83%+1,511 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.66%-0.25%0.00%-0.10%0.00%-366 bps
Allowance / Loans4.00%4.30%4.49%4.43%6.28%+229 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 Capital29.21%30.90%29.15%29.51%31.69%+249 bps
Equity / Assets13.43%13.52%14.20%14.89%14.51%+107 bps
Liquidity & Funding
Loans / Deposits31.11%31.32%31.25%32.60%29.07%-203 bps
Liquid Assets / Assets6.21%11.46%9.10%5.52%8.69%+248 bps
CRE / Total Capitaln/an/an/an/an/an/an/a