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First National Bank of Phillips County

Helena, AR · Cert 3874

FDIC

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First National Bank of Phillips County

Helena, AR · Cert 3874

FDIC

Q3 2009

$217.0MAssets
$131.9MLoans
$167.3MDeposits
$25.5MEquity
Loan mix
67%RE $52.8M33%C&I $25.8M0%Consumer $0.0MQ3 2008Q3 2009
Deposit mix
79%Interest-bearing $131.5M21%Noninterest $35.7MQ3 2008Q3 2009

NIM

6.30%Q3 ’075.38%Q3 ’084.59%Q3 ’09-3%-3%

Non-interest income vs. expense

3.05%Q3 ’073.25%Q3 ’083.40%Q3 ’09+29%-10%

Executive Summary

  • Earnings: ROA of 0.82%, down 18 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.25%.
  • Funding: loans stand at 78.86% of deposits as of Q3 2009.

Financial Results

Return on Assets (YTD, annualized)

0.82%-18 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-11 bps YoY

Efficiency Ratio (YTD, annualized)

65.49%-35 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets1.00%0.94%0.76%0.80%0.82%-18 bps
Return on Equity8.20%7.78%6.15%6.57%6.80%-140 bps
Net Interest Margin3.79%3.73%3.52%3.67%3.68%-11 bps
Efficiency Ratio65.84%66.75%73.10%72.88%65.49%-35 bps
Non-Interest Burden2.11%2.12%2.28%2.38%1.89%-22 bps
Growth
Asset Growth (YoY)5.57%13.79%-1.64%-1.07%3.71%-186 bps
Loan Growth (YoY)10.31%10.82%27.10%16.31%8.49%-181 bps
Deposit Growth (YoY)-6.46%10.83%-0.84%4.18%4.39%+1,085 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.66%1.60%0.49%0.37%0.25%-141 bps
Allowance / Loans1.00%1.12%1.07%1.00%1.60%+60 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 Capital14.73%15.34%15.29%14.34%14.77%+4 bps
Equity / Assets11.53%11.78%12.80%12.12%11.74%+21 bps
Liquidity & Funding
Loans / Deposits75.87%63.51%69.89%80.88%78.86%+299 bps
Liquid Assets / Assets4.88%5.14%0.69%0.65%4.28%-60 bps
CRE / Total Capitaln/an/an/an/an/an/an/a