Bank of Malvern

Malvern, AR · Cert 80

FDIC

Q2 1998

$21.9MAssets

$0KLoans

$0KDeposits

n/aEquity

Executive Summary

Return on Assets (YTD, annualized)

1.52%+9 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q3 1996	Q4 1996	Q1 1997	Q2 1997	Q3 1997	Q4 1997	Q1 1998	Q2 1998	YoY Δ	Trend
Earnings
Return on Assets	1.36%	1.32%	1.38%	1.42%	1.43%	1.13%	0.96%	1.52%	+9 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	9.20%	8.21%	10.41%	14.09%	10.30%	6.78%	3.13%	-96.00%	-11,010 bps
Loan Growth (YoY)	14.09%	13.66%	11.17%	10.02%	12.02%	12.92%	12.59%	-100.00%	-11,002 bps
Deposit Growth (YoY)	6.27%	5.44%	9.59%	11.61%	9.42%	6.26%	2.07%	-100.00%	-11,161 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	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	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Deposits	68.01%	67.61%	66.03%	66.09%	69.63%	71.85%	72.84%	n/a	n/a
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a