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Bank of Mountain View

Mountain View, AR · Cert 12530

FDIC

Q4 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Mountain View

Mountain View, AR · Cert 12530

FDIC

Q4 2008

$186.9MAssets
$97.6MLoans
$137.0MDeposits
$31.1MEquity
Loan mix
84%RE $61.0M16%C&I $11.5M0%Consumer $0.0MQ4 2007Q4 2008
Deposit mix
85%Interest-bearing $116.8M15%Noninterest $20.2MQ4 2007Q4 2008

NIM

5.38%Q4 ’065.73%Q4 ’075.32%Q4 ’08-6%+23%

Non-interest income vs. expense

1.81%Q4 ’061.79%Q4 ’072.07%Q4 ’08-11%+16%

Executive Summary

  • Earnings: ROA of 0.70%, up 2 bps year over year; NIM at 2.75%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.43%.
  • Funding: loans stand at 71.21% of deposits as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

0.70%+2 bps YoY

Net Interest Margin (YTD, annualized)

2.75%+51 bps YoY

Efficiency Ratio (YTD, annualized)

61.26%-305 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets0.67%0.82%0.77%0.82%0.70%+2 bps
Return on Equity4.87%5.33%4.94%5.16%4.37%-50 bps
Net Interest Margin2.23%2.61%2.62%2.72%2.75%+51 bps
Efficiency Ratio64.31%59.88%61.73%60.47%61.26%-305 bps
Non-Interest Burden1.47%1.57%1.65%1.67%1.71%+24 bps
Growth
Asset Growth (YoY)-4.18%-10.40%-11.37%-11.61%-9.05%-487 bps
Loan Growth (YoY)14.89%-1.81%11.49%11.04%4.20%-1,069 bps
Deposit Growth (YoY)-12.74%-3.60%-7.52%-6.38%-0.92%+1,182 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.14%0.23%0.10%0.14%0.43%+30 bps
Allowance / Loans1.35%1.38%1.23%1.23%1.38%+3 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.92%15.77%14.73%14.95%16.19%+127 bps
Equity / Assets14.86%16.12%16.06%16.36%16.64%+178 bps
Liquidity & Funding
Loans / Deposits67.71%63.08%74.94%75.66%71.21%+350 bps
Liquid Assets / Assets0.56%1.57%0.26%2.32%0.27%-29 bps
CRE / Total Capitaln/an/an/an/an/an/an/a