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Sinclair National Bank

Gravette, AR · Cert 34248

FDIC

Q2 2001

$29.8MAssets
$21.8MLoans
$26.1MDeposits
$2.8MEquity
Deposit mix
96%Interest-bearing $24.9M4%Noninterest $1.2MQ2 2000Q2 2001

NIM

9.89%Q1 ’019.95%Q2 ’01+2%

Non-interest income vs. expense

10.78%Q1 ’019.32%Q2 ’01-15%

Executive Summary

  • Earnings: ROA of -3.87%, down 211 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.99%.
  • Funding: loans stand at 83.78% of deposits as of Q2 2001.

Financial Results

Return on Assets (quarter, annualized)

-3.87%-211 bps YoY

Net Interest Margin (quarter, annualized)

4.87%

Efficiency Ratio (quarter, annualized)

181.56%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2000Q3 2000Q4 2000Q1 2001Q2 2001YoY ΔTrend
Earnings
Return on Assets-1.76%-3.89%-5.68%-5.99%-3.87%-211 bps
Return on Equityn/an/an/an/a-41.27%n/an/a
Net Interest Marginn/an/an/a4.76%4.87%n/a
Efficiency Ration/an/an/a220%181.56%n/a
Non-Interest Burdenn/an/an/a10.65%9.06%n/a
Growth
Asset Growth (YoY)41.82%34.88%11.60%12.23%5.06%-3,676 bps
Loan Growth (YoY)29.85%17.14%19.78%27.74%11.48%-1,837 bps
Deposit Growth (YoY)31.96%36.25%6.70%31.00%14.45%-1,750 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/a-0.02%0.99%n/a
Allowance / Loansn/an/an/a1.31%1.24%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/an/a9.45%10.45%n/a
Equity / Assetsn/an/an/a9.47%9.29%n/a
Liquidity & Funding
Loans / Deposits86.01%83.31%94.35%90.68%83.78%-224 bps
Liquid Assets / Assets0.00%0.00%0.00%0.02%0.02%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a