EXHIBIT 99.1
[SUPERIOR(R) FINANCIAL CORP. LOGO]
Gulf South Bank Conference
New Orleans, Louisiana
April 29-30, 2002
Superior Financial Corp.
... $1.7 Billion thrift holding company headquartered in Little Rock, Arkansas
... Owns largest independent unit bank in Arkansas
... Operates 60 offices along Interstate 40 corridor including Little Rock,
Fort Smith, NW Arkansas, and NE Oklahoma
... Focuses on moderate income consumers and small the business banking
... Trades under the symbol SUFI on the NASDAQ National Market
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1998 - 2001 Accomplishments
... Achieved earnings per share annual compound growth of 15%
... Grew total loans by 54% while maintaining strong credit quality
... Grew transaction deposit accounts by 21%
... Overhauled delivery channels - nine new branches, new call center, new
technology platform, etc.
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1998 - 2001 Accomplishments
(continued)
... Implemented new strategic businesses -
. Commercial Banking
. Investments
. Insurance
. Finance Company
... Completed 15% stock repurchase program
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Earnings Per Share
[GRAPH]
1998 1999 2000 2001 2002
------ ------ ------ ------ --------------
Earnings per share $0.88 $1.13 $1.24 $1.34 $1.75 -- $1.85*
- --------
* Street Estimate
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Loans
[GRAPH]
April 1, 1998 1998 1999 2000 2001
------------- -------- -------- -------- --------
(In Thousands)
Loans
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Loan Mix
[GRAPHS]
1st Qtr. 2002 2nd Qtr. 1998
------------- -------------
Loan Mix
Mortgage 35% 58%
Consumer 34% 34%
Commercial 31% 8%
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NPA Ratio
[GRAPH]
April 1, 1998 1998 1999 2000 2001 1Q 2002
------------- ---- ---- ---- ---- -------
NPA Ratio .59% .40% .24% .49% .99% 1.26%
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Deposits
[GRAPH]
April 1, 1998 1998 1999 2000 2001 1Q 2002
------------- ---------- ---------- ---------- ---------- -------------
(In Thousands)
Deposits
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Deposits
[GRAPH]
1st Qtr. 2002
-------------
Deposits
Time Deposits 49%
Interest Bearing Transaction Accounts 42%
Non-Interest Bearing Deposits 9%
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Non-Interest Income
[GRAPH]
1998* 1999 2000 2001
------ ------ ------ ------
(In Thousands)
Non-Interest Income
* Beginning April 1, 1998
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2001 - 2003 Strategic Initiatives
... Cross-sell current customers (190,000 households)
... Align overhead to new economy
... Install commercial bank technology
... Acquire commercial bankers from recently merged banks
... Expand fee and margin enhancing businesses - Investments, Insurance,
Finance Company, Mortgage
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2001 - 2003 Strategic Initiatives
(continued)
... Strengthen franchise in NW Arkansas & Tulsa
... Capitalize on legislative changes in Arkansas banking
... Change name to "Superior Bank"
... Capital Management
. Stock Repurchase
. Dividend
. Trust Preferred
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Enhancing Shareholder Value
... 15% - 20% annual EPS growth strategy
... Sizable franchise with good name brand
... Clean balance sheet
... Proven, experienced management team
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[Superior(R) Financial Corp. Logo]
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Disclosure Statement
Cautionary Statement Pursuant to Safe Harbor Provisions of the Private
Securities Litigation Reform Act of 1995.
This Presentation contains forward-looking statements within the meaning of
the federal securities laws. The forward-looking statements in this presentation
are subject to risks and uncertainties that could cause actual results to differ
materially from those expressed in or implied by the statements. Factors that
may cause actual results to differ materially from those contemplated by such
forward-looking statements include, among other things, the following
possibilities: (i) deposit attrition, customer loss, or revenue loss in the
ordinary course of business; (ii) increases in competitive pressure in the
banking industry; (iii) costs or difficulties related to the integration of the
businesses of Superior Financial Corp and the institutions acquired are greater
than expected; (iv) changes in the interest rate environment which reduce
margins; (v) general economic conditions, either nationally or regionally, that
are less favorable than expected, resulting in, among other things, a
deterioration in credit quality; (vi) changes which may occur in the regulatory
environment; (vii) a significant rate of inflation (deflation); and (viii)
changes in the securities markets and (ix) the ability of Superior Financial
Corp to achieve the strategies and goals set forth herein. When used in this
Presentation, the words believes, estimates, plans, expects, should, may, might,
outlook, and anticipates, and similar expressions as they relate to Superior
Financial Corp (including its subsidiaries), or its management are intended to
identify forward-looking statements. Similarly, Superior's description of any
"goals", "strategies," "forecasts," or "initiatives" are also forward-looking
statements.
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