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First National Bank of Springdale, The

Springdale, AR · Cert 3892

FDIC

Q4 2003

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: Q4 2003, the quarter ended December 31, 2003, 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 Springdale, The

Springdale, AR · Cert 3892

FDIC

Q4 2003

$2.0MAssets
n/aLoans
n/aDeposits
$2.0MEquity
Loan mix
59%RE $45.0M41%C&I $31.3M0%Consumer $0.0MQ4 2002Q4 2003
Deposit mix
84%Interest-bearing $016%Noninterest $0Q4 2002Q4 2003

NIM

6.05%Q4 ’015.09%Q4 ’023.97%Q4 ’03+9%-19%

Non-interest income vs. expense

2.64%Q4 ’012.69%Q4 ’022.83%Q4 ’03+0%-200%

Executive Summary

  • Earnings: ROA of 1.97%, up 78 bps year over year; NIM at 2.98%.

Financial Results

Return on Assets (YTD, annualized)

1.97%+78 bps YoY

Net Interest Margin (YTD, annualized)

2.98%-69 bps YoY

Efficiency Ratio (YTD, annualized)

33.92%-1,900 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2002Q1 2003Q2 2003Q3 2003Q4 2003YoY ΔTrend
Earnings
Return on Assets1.20%0.96%1.07%0.94%1.97%+78 bps
Return on Equity9.50%8.56%9.38%8.22%17.05%+755 bps
Net Interest Margin3.67%3.32%3.29%3.12%2.98%-69 bps
Efficiency Ratio52.92%55.87%57.16%59.92%33.92%-1,900 bps
Non-Interest Burden1.77%1.72%1.71%1.71%-1.77%-354 bps
Growth
Asset Growth (YoY)-0.53%5.51%-0.53%-2.49%-99.45%-9,893 bps
Loan Growth (YoY)3.35%-2.60%-2.94%-3.23%-100.00%-10,335 bps
Deposit Growth (YoY)-2.11%7.54%-2.20%-2.68%-100.00%-9,789 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans0.15%0.14%0.17%0.34%0.43%+27 bps
Allowance / Loans1.67%1.85%1.67%1.55%n/an/a
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 Capital12.86%13.38%13.49%13.49%500%+48,714 bps
Equity / Assets11.40%10.98%11.75%11.65%100.00%+8,860 bps
Liquidity & Funding
Loans / Deposits60.50%52.35%61.24%59.90%n/an/a
Liquid Assets / Assets4.54%1.68%0.95%0.95%0.00%-454 bps
CRE / Total Capitaln/an/an/an/an/an/an/a