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SAFE & SOUND® STAR RATINGS

BANK OF BEARDEN

1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of March 31, 2016
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$46,690$45,210$43,399
Loans Receivable, Net26,12826,35020,674
Mortgage-Backed Securities2,6421,7713,425
Investments6,0476,8897,035
Deposits40,65539,24337,250
Borrowings000
Equity6,0235,9375,873
Net Interest Income3691,3981,202
Fee Income145774
Overhead253913943
Net Operating Income132533380
Net Income132533380
Ratio Analysis Profitability%%%
Return on Assets *1.321.220.88
Operating Return on Assets *1.321.220.88
Return on Equity *9.628.916.40
Net Interest Margin *3.633.503.12
Fee Income / Assets *0.140.130.17
Overhead / Assets *2.122.092.18
Efficiency Ratio66.0662.8470.74
Asset Quality%%%
Nonperforming Assets / Assets0.270.270.34
Nonperforming Assets / Equity & Loss Reserves1.991.992.37
Loss Reserves / Nonperforming Loans238.10239.52212.59
1-4 Fam Mtg + MBS / Assets17.5015.3322.06
Commercial Real Estate Loans / Assets19.4021.5710.48
Construction Loans / Assets0.001.360.00
Commercial & Industrial Loans / Assets12.3612.0212.14
Consumer Loans / Assets8.427.767.84
Capitalization%%%
Equity / Assets12.9013.1313.53
Tangible Capital / Tangible Assets12.9013.1313.53
Risk-based Capital Ratio17.3452.9424.81
Liquidity%%%
Loans / Deposits64.2767.1555.50
Non-Interest Bearing Deposits / Deposits54.2053.0248.14
Purchased Liabilities0.570.583.07

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