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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 March 31, 2016
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$90,772$90,717$79,029
Loans Receivable, Net55,09255,23949,191
Mortgage-Backed Securities12,52813,6378,994
Investments12,93614,72913,064
Deposits79,34579,35168,092
Borrowings03750
Equity9,2648,9598,512
Net Interest Income8943,4813,491
Fee Income89283287
Overhead7242,7942,710
Net Operating Income2718081,133
Net Income202642838
Ratio Analysis Profitability%%%
Return on Assets *0.730.731.06
Operating Return on Assets *0.920.921.43
Return on Equity *7.227.2310.28
Net Interest Margin *4.204.204.71
Fee Income / Assets *0.340.320.36
Overhead / Assets *3.203.183.42
Efficiency Ratio70.3670.6868.04
Asset Quality%%%
Nonperforming Assets / Assets1.221.230.53
Nonperforming Assets / Equity & Loss Reserves11.3011.814.63
Loss Reserves / Nonperforming Loans51.0746.96144.60
1-4 Fam Mtg + MBS / Assets29.7130.6827.24
Commercial Real Estate Loans / Assets17.6817.6917.08
Construction Loans / Assets3.112.613.00
Commercial & Industrial Loans / Assets10.9811.5712.01
Consumer Loans / Assets2.793.023.45
Capitalization%%%
Equity / Assets10.219.8810.77
Tangible Capital / Tangible Assets10.219.8810.77
Risk-based Capital Ratio16.3415.6017.14
Liquidity%%%
Loans / Deposits69.4369.6172.24
Non-Interest Bearing Deposits / Deposits24.1122.7321.44
Purchased Liabilities10.088.4115.95

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