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Marked Tree Bank

Marked Tree, AR · Cert 86

FDIC

Q1 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: Q1 2003, the quarter ended March 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

Marked Tree Bank

Marked Tree, AR · Cert 86

FDIC

Q1 2003

$31.7MAssets
$12.6MLoans
$27.6MDeposits
$3.9MEquity
Deposit mix
88%Interest-bearing $24.4M12%Noninterest $3.2MQ1 2002Q1 2003

NIM

6.97%Q1 ’015.22%Q1 ’024.88%Q1 ’03-3%+3%

Non-interest income vs. expense

3.40%Q1 ’012.87%Q1 ’022.70%Q1 ’03-17%-3%

Executive Summary

  • Earnings: ROA of 0.84%, down 6 bps year over year; NIM at 3.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.76%.
  • Funding: loans stand at 45.55% of deposits as of Q1 2003.

Financial Results

Return on Assets (YTD, annualized)

0.84%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.28%+11 bps YoY

Efficiency Ratio (YTD, annualized)

71.82%-475 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2002Q2 2002Q3 2002Q4 2002Q1 2003YoY ΔTrend
Earnings
Return on Assets0.90%0.83%1.21%1.92%0.84%-6 bps
Return on Equity8.15%7.42%10.61%16.52%6.72%-143 bps
Net Interest Margin3.17%3.21%3.70%3.65%3.28%+11 bps
Efficiency Ratio76.57%75.13%69.11%65.58%71.82%-475 bps
Non-Interest Burden2.29%2.28%2.38%2.20%2.22%-7 bps
Growth
Asset Growth (YoY)-8.18%-12.82%-1.88%5.26%6.66%+1,484 bps
Loan Growth (YoY)-16.71%-19.83%-16.44%-19.98%-12.39%+431 bps
Deposit Growth (YoY)-8.67%-14.08%-2.03%3.34%4.91%+1,358 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.72%-1.42%-1.15%-1.94%-0.76%-4 bps
Allowance / Loans3.29%3.73%3.92%2.55%2.82%-46 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 Capital23.07%23.42%23.11%27.09%27.56%+449 bps
Equity / Assets11.11%11.44%11.99%12.50%12.41%+130 bps
Liquidity & Funding
Loans / Deposits54.55%57.65%57.82%47.80%45.55%-900 bps
Liquid Assets / Assets0.96%0.86%0.81%0.77%0.74%-22 bps
CRE / Total Capitaln/an/an/an/an/an/an/a