Diamond Bank

Diamond Bank is headquartered in Murfreesboro and is the 25^th largest bank in the state of Arkansas. It is also the 1,548^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 124 employees at 13 locations. Diamond Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Diamond Bank FDIC Certificate # 1527 BankRate Report View Year Established 1904 Employees 124 Primary Regulator FDIC Assets and Liabilities Assets $430.43 million Loans $244.84 million Deposits $356.95 million Equity Capital $50.16 million Loan Loss Allowance $7.83 million Unbacked Noncurrent Loans $3.48 million Real Estate Owned $2.02 million Historic Data - March 2011 Assets $458.53 million Equity Capital $44.45 million Loan Loss Allowance $6.01 million Unbacked Noncurrent Loans $8.12 million Real Estate Owned $1.04 million Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 1.27% Return on Equity 11.11% Interest Income $5.24 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Diamond Bank had $5.5 million in non-current loans and owned real-estate with $57.99 million in equity and loan loss allowances on hand to cover it. This gives Diamond Bank a Texas Ratio of 9.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Diamond Bank decreased significantly from 18.16% as of March 31, 2011 to 9.48% as of March 31, 2012, resulting in a positive change of 47.82%.This indicates that the balance sheet and financial strength for Diamond Bank has improved significantly in recent periods. Deposit Growth In the past year, Diamond Bank has decreased its total deposits by -$30.47 million, resulting in -7.87% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Diamond Bank has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Diamond Bank has $430.43 million in assets with $57.99 million in equity, resulting in a capitalization level of 13.47%, which is excellent.

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