Mountain View, AR · Cert 12530
FDIC
Q4 2008
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mountain View, AR · Cert 12530
FDIC
Q4 2008
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.67% | 0.82% | 0.77% | 0.82% | 0.70% | +2 bps | |
| Return on Equity | 4.87% | 5.33% | 4.94% | 5.16% | 4.37% | -50 bps | |
| Net Interest Margin | 2.23% | 2.61% | 2.62% | 2.72% | 2.75% | +51 bps | |
| Efficiency Ratio | 64.31% | 59.88% | 61.73% | 60.47% | 61.26% | -305 bps | |
| Non-Interest Burden | 1.47% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.14% | 0.23% | 0.10% | 0.14% | 0.43% | +30 bps | |
| Allowance / Loans | 1.35% | 1.38% | 1.23% | 1.23% | 1.38% | +3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.92% | 15.77% | 14.73% | 14.95% | 16.19% | +127 bps | |
| Equity / Assets | 14.86% | 16.12% | 16.06% | 16.36% | 16.64% | +178 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.71% | 63.08% | 74.94% | 75.66% | 71.21% | +350 bps | |
| Liquid Assets / Assets | 0.56% | 1.57% | 0.26% | 2.32% | 0.27% | -29 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |