PackageTrendsPeer
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Twin City Bank

North Little Rock, AR · Cert 33472

FDIC

Q1 2009

$728.5MAssets
$537.3MLoans
$558.9MDeposits
$73.8MEquity
Loan mix
77%RE $276.1M22%C&I $80.3M1%Consumer $3.6MQ2 2007Q1 2009
Deposit mix
75%Interest-bearing $418.3M25%Noninterest $140.6MQ2 2007Q1 2009

Executive Summary

  • Earnings: ROA of 1.43%, up 47 bps year over year; NIM at 3.55%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.03%.
  • Funding: loans stand at 96.13% of deposits as of Q1 2009.

Return on Assets (YTD, annualized)

1.43%+47 bps YoY

Net Interest Margin (YTD, annualized)

3.55%+21 bps YoY

Efficiency Ratio (YTD, annualized)

49.55%-771 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.90%Q1 ’075.64%Q1 ’084.61%Q1 ’09+19%+6%

Non-interest income vs. expense

2.21%Q1 ’072.50%Q1 ’082.29%Q1 ’09+9%-15%

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009YoY ΔTrend
Earnings
Return on Assets0.89%0.95%0.99%0.97%1.05%1.07%1.00%1.43%+47 bps
Return on Equity11.78%12.11%12.27%10.64%11.53%11.83%10.83%14.47%+384 bps
Net Interest Margin2.87%2.93%3.00%3.33%3.35%3.29%3.35%3.55%+21 bps
Efficiency Ratio58.39%57.37%55.76%57.26%55.62%55.15%54.68%49.55%-771 bps
Non-Interest Burden1.41%1.41%1.37%1.59%1.51%1.46%1.47%1.35%-24 bps
Growth
Asset Growth (YoY)4.81%2.49%1.05%4.75%6.65%9.18%4.02%4.13%-62 bps
Loan Growth (YoY)12.17%12.91%17.04%19.19%17.09%17.53%9.47%5.88%-1,331 bps
Deposit Growth (YoY)11.20%-0.05%-6.61%3.29%4.36%8.23%5.82%4.25%+96 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.01%0.02%0.09%0.09%0.07%0.46%0.03%-6 bps
Allowance / Loans1.62%1.63%1.65%1.65%1.65%1.65%1.57%1.55%-10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital10.68%11.34%11.35%11.41%11.49%11.68%11.98%12.28%+87 bps
Equity / Assets7.78%8.69%8.89%9.29%9.04%9.12%9.70%10.13%+83 bps
Liquidity & Funding
Loans / Deposits82.68%90.12%98.00%94.65%92.76%97.87%101.38%96.13%+148 bps
Liquid Assets / Assets0.12%0.13%0.12%0.11%2.37%2.24%2.34%2.39%+228 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a