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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 September 30, 2014
Federal Reserve System Identifier 311144




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$42,891$37,793$37,056
Loans Receivable, Net20,18420,52620,158
Mortgage-Backed Securities3,3552,016159
Investments7,4877,5057,849
Deposits36,84731,73530,984
Borrowings000
Equity6,0285,7715,786
Net Interest Income8911,1911,232
Fee Income488271
Overhead691881927
Net Operating Income304390382
Net Income304390382
Ratio Analysis Profitability%%%
Return on Assets *0.981.011.07
Operating Return on Assets *0.981.011.07
Return on Equity *6.716.656.53
Net Interest Margin *3.393.343.85
Fee Income / Assets *0.170.210.20
Overhead / Assets *2.282.282.60
Efficiency Ratio68.8268.7770.17
Asset Quality%%%
Nonperforming Assets / Assets0.910.060.04
Nonperforming Assets / Equity & Loss Reserves6.190.400.26
Loss Reserves / Nonperforming Loans75.262146.156975.00
1-4 Fam Mtg + MBS / Assets22.0820.7216.79
Commercial Real Estate Loans / Assets8.1913.1418.45
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets13.9214.238.69
Consumer Loans / Assets8.139.469.06
Capitalization%%%
Equity / Assets14.0515.2715.61
Tangible Capital / Tangible Assets14.0515.2715.61
Risk-based Capital Ratio25.8325.7025.64
Liquidity%%%
Loans / Deposits54.7864.6865.06
Non-Interest Bearing Deposits / Deposits47.1937.5034.56
Purchased Liabilities2.282.692.73

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