PackageTrendsPeer
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Trustbanc

Mountain Home, AR · Cert 34797

FDIC

Q1 2005

$138.9MAssets
$70.7MLoans
$97.6MDeposits
$26.8MEquity
Loan mix
84%RE $30.2M16%C&I $5.9M0%Consumer $0.0MQ1 2004Q1 2005
Deposit mix
90%Interest-bearing $87.6M10%Noninterest $9.9MQ1 2004Q1 2005

NIM

5.71%Q1 ’035.12%Q1 ’040.91%Q1 ’05-5%-84%

Non-interest income vs. expense

1.83%Q1 ’032.06%Q1 ’040.40%Q1 ’05+36%-83%

Executive Summary

  • Earnings: ROA of 0.04%, down 75 bps year over year; NIM at 0.48%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 72.48% of deposits as of Q1 2005.

Financial Results

Return on Assets (YTD, annualized)

0.04%-75 bps YoY

Net Interest Margin (YTD, annualized)

0.48%-255 bps YoY

Efficiency Ratio (YTD, annualized)

68.02%+743 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.79%0.88%0.87%0.85%0.04%-75 bps
Return on Equity8.93%10.13%10.11%9.89%0.31%-863 bps
Net Interest Margin3.04%2.99%2.94%2.90%0.48%-255 bps
Efficiency Ratio60.59%60.17%60.23%60.31%68.02%+743 bps
Non-Interest Burden1.70%1.62%1.59%1.57%0.30%-140 bps
Growth
Asset Growth (YoY)17.41%19.35%14.57%9.49%27.14%+974 bps
Loan Growth (YoY)27.33%21.52%11.93%5.74%-0.75%-2,809 bps
Deposit Growth (YoY)12.43%11.68%16.79%15.88%18.16%+572 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%-0.01%-0.01%-0.01%0.00%0 bps
Allowance / Loans0.83%0.82%0.86%0.93%1.68%+85 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 Capital14.08%13.29%13.49%14.08%14.38%+31 bps
Equity / Assets8.83%8.31%8.43%8.53%19.27%+1,044 bps
Liquidity & Funding
Loans / Deposits86.29%86.84%81.22%79.94%72.48%-1,381 bps
Liquid Assets / Assets22.98%21.83%21.78%21.47%0.10%-2,287 bps
CRE / Total Capitaln/an/an/an/an/an/an/a