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SAFE & SOUND® STAR RATINGS

BANK OF BEARDEN

1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$47,944$43,399$37,793
Loans Receivable, Net22,37020,67420,526
Mortgage-Backed Securities3,3483,4252,016
Investments7,0337,0357,505
Deposits41,99737,25031,735
Borrowings000
Equity5,9185,8735,771
Net Interest Income3171,2021,191
Fee Income127482
Overhead241943881
Net Operating Income87380390
Net Income87380390
Ratio Analysis Profitability%%%
Return on Assets *0.890.881.01
Operating Return on Assets *0.890.881.01
Return on Equity *6.546.406.65
Net Interest Margin *3.183.123.34
Fee Income / Assets *0.150.170.21
Overhead / Assets *2.172.182.28
Efficiency Ratio72.8170.7468.77
Asset Quality%%%
Nonperforming Assets / Assets0.110.340.06
Nonperforming Assets / Equity & Loss Reserves0.872.370.40
Loss Reserves / Nonperforming Loans579.59212.592146.15
1-4 Fam Mtg + MBS / Assets19.3422.0620.72
Commercial Real Estate Loans / Assets13.9810.4813.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets10.6912.1414.23
Consumer Loans / Assets6.917.849.46
Capitalization%%%
Equity / Assets12.3413.5315.27
Tangible Capital / Tangible Assets12.3413.5315.27
Risk-based Capital Ratio34.3324.8125.70
Liquidity%%%
Loans / Deposits53.2755.5064.68
Non-Interest Bearing Deposits / Deposits56.5648.1437.50
Purchased Liabilities0.003.072.69

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