Signature Bank of Arkansas

Signature Bank of Arkansas is headquartered in Fayetteville and is the 22^nd largest bank in the state of Arkansas. It is also the 1,349^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 87 employees at 5 locations. Signature Bank of Arkansas has a 3-star health rating.

Data for Q1 2012

Institution Statistics Signature Bank of Arkansas FDIC Certificate # 89 BankRate Report View Year Established 1933 Employees 87 Primary Regulator FDIC Assets and Liabilities Assets $503.07 million Loans $384.72 million Deposits $386.05 million Equity Capital $61.55 million Loan Loss Allowance $7.77 million Unbacked Noncurrent Loans $23.22 million Real Estate Owned $24.73 million Historic Data - March 2011 Assets $508.93 million Equity Capital $59.31 million Loan Loss Allowance $9.30 million Unbacked Noncurrent Loans $25.76 million Real Estate Owned $18.77 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.44% Return on Equity 3.6% Interest Income $5.82 million

Institution Health Overall Score: 3 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 Signature Bank of Arkansas had $47.94 million in non-current loans and owned real-estate with $69.32 million in equity and loan loss allowances on hand to cover it. This gives Signature Bank of Arkansas a Texas Ratio of 69.16% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Signature Bank of Arkansas held steady from 64.91% as of March 31, 2011 to 69.16% as of March 31, 2012, resulting in a negative change of 6.55%. This indicates that the balance sheet and financial strength for Signature Bank of Arkansas has held steady in recent periods. Deposit Growth In the past year, Signature Bank of Arkansas has decreased its total deposits by -$8.46 million, resulting in -2.14% 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 Signature Bank of Arkansas has shown is below average. 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. Signature Bank of Arkansas has $503.07 million in assets with $69.32 million in equity, resulting in a capitalization level of 13.78%, which is excellent.

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