PackageTrendsPeer
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Central Bank & Trust

Little Rock, AR · Cert 33242

FDIC

Q3 2001

$152.5MAssets
$90.4MLoans
$130.8MDeposits
$14.4MEquity
Loan mix
52%RE $22.9M43%C&I $18.9M5%Consumer $2.2MQ3 2000Q3 2001
Deposit mix
78%Interest-bearing $102.2M22%Noninterest $28.6MQ3 2000Q3 2001

NIM

6.98%Q1 ’016.89%Q2 ’016.27%Q3 ’01+7%-5%

Non-interest income vs. expense

6.98%Q1 ’016.79%Q2 ’016.49%Q3 ’01+8%-7%

Executive Summary

  • Earnings: ROA of -1.43%, down 36 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.14%.
  • Funding: loans stand at 69.12% of deposits as of Q3 2001.

Financial Results

Return on Assets (YTD, annualized)

-1.43%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.01%

Efficiency Ratio (YTD, annualized)

131.81%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2000Q4 2000Q1 2001Q2 2001Q3 2001YoY ΔTrend
Earnings
Return on Assets-1.07%-1.47%-0.98%-1.27%-1.43%-36 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/a2.98%3.18%3.01%n/a
Efficiency Ration/an/a129.09%134.77%131.81%n/a
Non-Interest Burdenn/an/a4.55%4.93%4.57%n/a
Growth
Asset Growth (YoY)16.16%23.72%15.34%11.21%28.02%+1,186 bps
Loan Growth (YoY)12.14%17.58%10.01%17.11%23.65%+1,151 bps
Deposit Growth (YoY)20.48%38.84%36.43%23.76%30.70%+1,022 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/a0.10%0.14%0.14%n/a
Allowance / Loansn/an/a1.38%1.30%1.70%n/a
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 Capitaln/an/a11.70%10.17%10.38%n/a
Equity / Assetsn/an/a10.85%10.21%9.45%n/a
Liquidity & Funding
Loans / Deposits73.06%71.43%68.55%75.21%69.12%-394 bps
Liquid Assets / Assets0.00%0.00%0.01%0.01%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a