PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Cleburne County Bank, The

Heber Springs, AR · Cert 8731

FDIC

Q3 2005

$233.5MAssets
$97.7MLoans
$181.5MDeposits
$49.1MEquity
Loan mix
91%RE $52.6M9%C&I $5.0M1%Consumer $0.5MQ3 2004Q3 2005
Deposit mix
87%Interest-bearing $157.6M13%Noninterest $23.9MQ3 2004Q3 2005

NIM

4.64%Q3 ’034.53%Q3 ’040.48%Q3 ’05+7%-90%

Non-interest income vs. expense

2.30%Q3 ’032.57%Q3 ’040.27%Q3 ’05+10%-90%

Executive Summary

  • Earnings: ROA of 0.61%, down 38 bps year over year; NIM at 0.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.34%.
  • Funding: loans stand at 53.85% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.61%-38 bps YoY

Net Interest Margin (YTD, annualized)

0.31%-289 bps YoY

Efficiency Ratio (YTD, annualized)

60.56%-563 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets0.99%0.95%0.76%0.76%0.61%-38 bps
Return on Equity10.13%9.79%8.04%7.94%4.81%-532 bps
Net Interest Margin3.20%3.18%3.03%3.03%0.31%-289 bps
Efficiency Ratio66.18%67.66%70.58%71.38%60.56%-563 bps
Non-Interest Burden2.02%2.06%2.04%2.08%0.19%-182 bps
Growth
Asset Growth (YoY)-1.66%-3.46%-5.38%-1.34%13.58%+1,524 bps
Loan Growth (YoY)4.15%3.33%10.85%8.73%3.77%-39 bps
Deposit Growth (YoY)-0.72%-2.07%-0.95%1.97%3.65%+437 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.18%0.10%0.42%0.36%0.34%+16 bps
Allowance / Loans1.33%1.33%1.17%1.09%1.06%-27 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 Capital18.46%16.36%16.32%16.53%16.36%-210 bps
Equity / Assets10.34%9.43%9.51%9.71%21.02%+1,068 bps
Liquidity & Funding
Loans / Deposits53.79%55.14%57.25%56.00%53.85%+6 bps
Liquid Assets / Assets0.01%0.02%0.03%0.00%0.03%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a