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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

5.16%Q3 ’045.46%Q3 ’056.16%Q3 ’06-5%-3%

Non-interest income vs. expense

3.72%Q3 ’043.52%Q3 ’053.39%Q3 ’06-6%-11%

Executive Summary

  • Earnings: ROA of 0.70%, up 19 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 0.11%.
  • Funding: loans stand at 81.80% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.70%+19 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-11 bps YoY

Efficiency Ratio (quarter, annualized)

78.85%-428 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets0.52%0.59%0.71%0.66%0.70%+19 bps
Return on Equity2.92%3.42%4.16%3.91%5.51%+259 bps
Net Interest Margin3.51%3.43%3.35%3.46%3.40%-11 bps
Efficiency Ratio83.14%85.42%79.04%80.59%78.85%-428 bps
Non-Interest Burden2.79%2.82%2.48%2.61%2.49%-30 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%0.24%-0.02%0.02%0.11%+7 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