SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BEARDEN
1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$49,246$37,793$37,056
Loans Receivable, Net19,03720,52620,158
Mortgage-Backed Securities2,2832,016159
Investments7,5037,5057,849
Deposits43,35431,73530,984
Borrowings000
Equity5,8775,7715,786
Net Interest Income2951,1911,232
Fee Income198271
Overhead236881927
Net Operating Income78390382
Net Income78390382
Ratio Analysis Profitability%%%
Return on Assets *0.971.011.07
Operating Return on Assets *0.971.011.07
Return on Equity *6.686.656.53
Net Interest Margin *3.203.343.85
Fee Income / Assets *0.210.210.20
Overhead / Assets *2.202.282.60
Efficiency Ratio74.4568.7770.17
Asset Quality%%%
Nonperforming Assets / Assets0.220.060.04
Nonperforming Assets / Equity & Loss Reserves1.750.400.26
Loss Reserves / Nonperforming Loans294.792146.156975.00
1-4 Fam Mtg + MBS / Assets16.2520.7216.79
Commercial Real Estate Loans / Assets8.3413.1418.45
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets9.7014.238.69
Consumer Loans / Assets7.469.469.06
Capitalization%%%
Equity / Assets11.9315.2715.61
Tangible Capital / Tangible Assets11.9315.2715.61
Risk-based Capital Ratio24.7225.7025.64
Liquidity%%%
Loans / Deposits43.9164.6865.06
Non-Interest Bearing Deposits / Deposits54.4737.5034.56
Purchased Liabilities2.212.692.73

* Calculations are based on the latest four quarters of income and expense.
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