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SAFE & SOUND® STAR RATINGS

BANK OF BEARDEN

1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$45,210$43,399$37,793
Loans Receivable, Net26,35020,67420,526
Mortgage-Backed Securities1,7713,4252,016
Investments6,8897,0357,505
Deposits39,24337,25031,735
Borrowings000
Equity5,9375,8735,771
Net Interest Income1,3981,2021,191
Fee Income577482
Overhead913943881
Net Operating Income533380390
Net Income533380390
Ratio Analysis Profitability%%%
Return on Assets *1.220.881.01
Operating Return on Assets *1.220.881.01
Return on Equity *8.916.406.65
Net Interest Margin *3.503.123.34
Fee Income / Assets *0.130.170.21
Overhead / Assets *2.092.182.28
Efficiency Ratio62.8470.7468.77
Asset Quality%%%
Nonperforming Assets / Assets0.270.340.06
Nonperforming Assets / Equity & Loss Reserves1.992.370.40
Loss Reserves / Nonperforming Loans239.52212.592146.15
1-4 Fam Mtg + MBS / Assets15.3322.0620.72
Commercial Real Estate Loans / Assets21.5710.4813.14
Construction Loans / Assets1.360.000.00
Commercial & Industrial Loans / Assets12.0212.1414.23
Consumer Loans / Assets7.767.849.46
Capitalization%%%
Equity / Assets13.1313.5315.27
Tangible Capital / Tangible Assets13.1313.5315.27
Risk-based Capital Ratio52.9424.8125.70
Liquidity%%%
Loans / Deposits67.1555.5064.68
Non-Interest Bearing Deposits / Deposits53.0248.1437.50
Purchased Liabilities0.583.072.69

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