First National Bank of Lewisville, The

Lewisville, AR · Cert 3881

FDIC · 8 branches

Q4 2014

$323.6MAssets

$238.8MLoans

$278.1MDeposits

$39.4MEquity

Loan mix

Deposit mix

NIM

Market Position · Texarkana, TX-AR · 2014 SOD (annual) · 6.0% share · #7 of 16 inst. · $0.1B of $2.3B

35.6% Hempstead

7.0% Bowie

5.1% Miller

10.7% Lafayette

Earnings: ROA of 0.24%, down 23 bps year over year; NIM at 0.89%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.06%.
Funding: loans stand at 85.85% of deposits as of Q4 2014.

Return on Assets (YTD, annualized)

0.24%-23 bps YoY

Net Interest Margin (YTD, annualized)

0.89%-277 bps YoY

Efficiency Ratio (YTD, annualized)

64.60%-2,285 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q4 2013	Q1 2014	Q2 2014	Q3 2014	Q4 2014	YoY Δ	Trend
Earnings
Return on Assets	0.48%	0.49%	1.18%	1.18%	0.24%	-23 bps
Return on Equity	4.56%	4.81%	11.60%	11.51%	2.30%	-226 bps
Net Interest Margin	3.66%	3.63%	4.16%	4.12%	0.89%	-277 bps
Efficiency Ratio	87.45%	85.99%	73.43%	73.25%	64.60%	-2,285 bps
Non-Interest Burden	3.13%	3.04%	2.88%	2.85%	0.57%	-257 bps
Growth
Asset Growth (YoY)	2.51%	3.42%	7.11%	6.58%	6.41%	+390 bps
Loan Growth (YoY)	3.48%	8.55%	13.73%	16.69%	5.10%	+162 bps
Deposit Growth (YoY)	3.05%	4.31%	8.09%	7.46%	4.42%	+137 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.23%	-0.03%	-0.01%	0.17%	0.06%	-17 bps
Allowance / Loans	1.71%	1.64%	1.60%	1.48%	0.03%	-168 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	15.71%	14.83%	14.61%	14.73%	13.28%	-243 bps
Equity / Assets	10.16%	10.01%	10.29%	10.45%	12.17%	+201 bps
Liquidity & Funding
Loans / Deposits	85.29%	89.24%	92.96%	93.79%	85.85%	+56 bps
Liquid Assets / Assets	8.43%	4.64%	1.75%	1.81%	13.78%	+535 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a