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SAFE & SOUND® STAR RATINGS

RIVERWIND BANK

100 SOUTH SECOND STREET
AUGUSTA, Arkansas 72006

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$92,066$79,029$78,633
Loans Receivable, Net54,96749,19145,332
Mortgage-Backed Securities13,6868,9947,766
Investments12,20713,06418,582
Deposits81,00968,09269,065
Borrowings000
Equity8,9998,5127,473
Net Interest Income2,5833,4913,087
Fee Income205287278
Overhead2,0592,7102,662
Net Operating Income7301,133770
Net Income535838600
Ratio Analysis Profitability%%%
Return on Assets *0.891.060.80
Operating Return on Assets *1.231.431.03
Return on Equity *8.5910.287.94
Net Interest Margin *4.334.714.43
Fee Income / Assets *0.330.360.37
Overhead / Assets *3.243.423.55
Efficiency Ratio70.5668.0475.97
Asset Quality%%%
Nonperforming Assets / Assets0.290.530.62
Nonperforming Assets / Equity & Loss Reserves2.774.636.09
Loss Reserves / Nonperforming Loans247.81144.60118.93
1-4 Fam Mtg + MBS / Assets30.0927.2423.23
Commercial Real Estate Loans / Assets17.0117.0817.84
Construction Loans / Assets2.813.002.76
Commercial & Industrial Loans / Assets11.1412.019.92
Consumer Loans / Assets3.163.453.75
Capitalization%%%
Equity / Assets9.7710.779.50
Tangible Capital / Tangible Assets9.7710.779.50
Risk-based Capital Ratio15.8117.1416.47
Liquidity%%%
Loans / Deposits67.8572.2465.64
Non-Interest Bearing Deposits / Deposits19.4821.4422.62
Purchased Liabilities16.3215.9514.08

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