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SAFE & SOUND® STAR RATINGS

BANK OF BEARDEN

1 NORTH SECOND STREET
BEARDEN, Arkansas 71720

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of September 30, 2015
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$39,809$43,399$37,793
Loans Receivable, Net24,69920,67420,526
Mortgage-Backed Securities2,9683,4252,016
Investments6,7267,0357,505
Deposits33,38537,25031,735
Borrowings32500
Equity6,0895,8735,771
Net Interest Income1,0231,2021,191
Fee Income437482
Overhead681943881
Net Operating Income376380390
Net Income376380390
Ratio Analysis Profitability%%%
Return on Assets *1.040.881.01
Operating Return on Assets *1.040.881.01
Return on Equity *7.586.406.65
Net Interest Margin *3.383.123.34
Fee Income / Assets *0.160.170.21
Overhead / Assets *2.152.182.28
Efficiency Ratio63.8870.7468.77
Asset Quality%%%
Nonperforming Assets / Assets0.090.340.06
Nonperforming Assets / Equity & Loss Reserves0.582.370.40
Loss Reserves / Nonperforming Loans906.25212.592146.15
1-4 Fam Mtg + MBS / Assets21.5822.0620.72
Commercial Real Estate Loans / Assets20.4810.4813.14
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets13.7512.1414.23
Consumer Loans / Assets8.767.849.46
Capitalization%%%
Equity / Assets15.3013.5315.27
Tangible Capital / Tangible Assets15.3013.5315.27
Risk-based Capital Ratio21.0124.8125.70
Liquidity%%%
Loans / Deposits73.9855.5064.68
Non-Interest Bearing Deposits / Deposits47.2248.1437.50
Purchased Liabilities1.373.072.69

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