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SAFE & SOUND® STAR RATINGS

RIVERWIND BANK

100 SOUTH SECOND STREET
AUGUSTA, Arkansas 72006

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$90,717$79,029$78,633
Loans Receivable, Net55,23949,19145,332
Mortgage-Backed Securities13,6378,9947,766
Investments14,72913,06418,582
Deposits79,35168,09269,065
Borrowings37500
Equity8,9598,5127,473
Net Interest Income3,4813,4913,087
Fee Income283287278
Overhead2,7942,7102,662
Net Operating Income8081,133770
Net Income642838600
Ratio Analysis Profitability%%%
Return on Assets *0.731.060.80
Operating Return on Assets *0.921.431.03
Return on Equity *7.2310.287.94
Net Interest Margin *4.204.714.43
Fee Income / Assets *0.320.360.37
Overhead / Assets *3.183.423.55
Efficiency Ratio70.6868.0475.97
Asset Quality%%%
Nonperforming Assets / Assets1.230.530.62
Nonperforming Assets / Equity & Loss Reserves11.814.636.09
Loss Reserves / Nonperforming Loans46.96144.60118.93
1-4 Fam Mtg + MBS / Assets30.6827.2423.23
Commercial Real Estate Loans / Assets17.6917.0817.84
Construction Loans / Assets2.613.002.76
Commercial & Industrial Loans / Assets11.5712.019.92
Consumer Loans / Assets3.023.453.75
Capitalization%%%
Equity / Assets9.8810.779.50
Tangible Capital / Tangible Assets9.8810.779.50
Risk-based Capital Ratio15.6017.1416.47
Liquidity%%%
Loans / Deposits69.6172.2465.64
Non-Interest Bearing Deposits / Deposits22.7321.4422.62
Purchased Liabilities8.4115.9514.08

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