PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First National Bank of Hope, The

Hope, AR · Cert 3875

FDIC

Q3 2006

$141.6MAssets
$94.0MLoans
$114.9MDeposits
$12.3MEquity
Loan mix
91%RE $52.4M9%C&I $4.9M0%Consumer $0.0MQ3 2005Q3 2006
Deposit mix
85%Interest-bearing $98.0M15%Noninterest $16.9MQ3 2005Q3 2006

NIM

5.33%Q3 ’045.22%Q3 ’055.88%Q3 ’06-12%-1%

Non-interest income vs. expense

3.67%Q3 ’043.50%Q3 ’053.40%Q3 ’06-3%-10%

Executive Summary

  • Earnings: ROA of 0.69%, up 13 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.04%.
  • Funding: loans stand at 81.80% of deposits as of Q3 2006.

Financial Results

Return on Assets (YTD, annualized)

0.69%+13 bps YoY

Net Interest Margin (YTD, annualized)

3.40%-5 bps YoY

Efficiency Ratio (YTD, annualized)

79.51%-471 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.57%0.58%0.71%0.69%0.69%+13 bps
Return on Equity3.16%3.23%4.16%4.04%4.65%+149 bps
Net Interest Margin3.45%3.38%3.35%3.39%3.40%-5 bps
Efficiency Ratio84.22%84.53%79.04%79.84%79.51%-471 bps
Non-Interest Burden2.79%2.75%2.48%2.53%2.53%-27 bps
Growth
Asset Growth (YoY)5.84%7.74%8.76%6.83%2.34%-350 bps
Loan Growth (YoY)6.62%8.02%14.40%16.96%15.82%+921 bps
Deposit Growth (YoY)4.29%7.01%8.97%6.91%7.43%+313 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.03%0.08%-0.02%0.00%0.04%+1 bps
Allowance / Loans1.55%1.44%1.36%1.31%1.25%-29 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 Capital32.14%31.67%30.44%29.72%15.67%-1,647 bps
Equity / Assets17.30%17.45%16.79%16.86%8.68%-863 bps
Liquidity & Funding
Loans / Deposits75.87%78.50%79.49%82.66%81.80%+593 bps
Liquid Assets / Assets0.07%0.13%0.05%0.09%0.11%+4 bps
CRE / Total Capitaln/an/an/an/an/an/an/a