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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 December 31, 2014
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$43,399$37,793$37,056
Loans Receivable, Net20,67420,52620,158
Mortgage-Backed Securities3,4252,016159
Investments7,0357,5057,849
Deposits37,25031,73530,984
Borrowings000
Equity5,8735,7715,786
Net Interest Income1,2021,1911,232
Fee Income748271
Overhead943881927
Net Operating Income380390382
Net Income380390382
Ratio Analysis Profitability%%%
Return on Assets *0.881.011.07
Operating Return on Assets *0.881.011.07
Return on Equity *6.406.656.53
Net Interest Margin *3.123.343.85
Fee Income / Assets *0.170.210.20
Overhead / Assets *2.182.282.60
Efficiency Ratio70.7468.7770.17
Asset Quality%%%
Nonperforming Assets / Assets0.340.060.04
Nonperforming Assets / Equity & Loss Reserves2.370.400.26
Loss Reserves / Nonperforming Loans212.592146.156975.00
1-4 Fam Mtg + MBS / Assets22.0620.7216.79
Commercial Real Estate Loans / Assets10.4813.1418.45
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets12.1414.238.69
Consumer Loans / Assets7.849.469.06
Capitalization%%%
Equity / Assets13.5315.2715.61
Tangible Capital / Tangible Assets13.5315.2715.61
Risk-based Capital Ratio24.8125.7025.64
Liquidity%%%
Loans / Deposits55.5064.6865.06
Non-Interest Bearing Deposits / Deposits48.1437.5034.56
Purchased Liabilities3.072.692.73

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