SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BEARDEN
1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of June 30, 2014
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$45,615$37,793$37,056
Loans Receivable, Net19,85920,52620,158
Mortgage-Backed Securities2,3282,016159
Investments7,7917,5057,849
Deposits39,61831,73530,984
Borrowings000
Equity5,9605,7715,786
Net Interest Income5841,1911,232
Fee Income378271
Overhead458881927
Net Operating Income213390382
Net Income213390382
Ratio Analysis Profitability%%%
Return on Assets *0.991.011.07
Operating Return on Assets *0.991.011.07
Return on Equity *7.006.656.53
Net Interest Margin *3.213.343.85
Fee Income / Assets *0.180.210.20
Overhead / Assets *2.182.282.60
Efficiency Ratio67.6568.7770.17
Asset Quality%%%
Nonperforming Assets / Assets0.040.060.04
Nonperforming Assets / Equity & Loss Reserves0.300.400.26
Loss Reserves / Nonperforming Loans3525.002146.156975.00
1-4 Fam Mtg + MBS / Assets18.4120.7216.79
Commercial Real Estate Loans / Assets7.4313.1418.45
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets12.7114.238.69
Consumer Loans / Assets8.109.469.06
Capitalization%%%
Equity / Assets13.0715.2715.61
Tangible Capital / Tangible Assets13.0715.2715.61
Risk-based Capital Ratio25.0825.7025.64
Liquidity%%%
Loans / Deposits50.1364.6865.06
Non-Interest Bearing Deposits / Deposits49.9537.5034.56
Purchased Liabilities2.222.692.73

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