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Village Peoples

Hot Springs Vil, AR · Charter 23880

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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: NCUA 5300 Call Report, 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

Village Peoples

Hot Springs Vil, AR · Charter 23880

Q3 2013

$1.5MAssets
$341KLoans
$1.2MShares
$241KNet Worth

Executive Summary

  • Earnings: ROA of -1.38%, down 46 bps year over year; NIM at 2.26%.
  • Asset quality: problem loans at 0.80% of loans (+80 bps YoY).
  • Capital: net worth / assets of 16.20%, up 70 bps from a year ago.
  • Funding: loans stand at 27.45% of shares as of Q3 2013.

Return on Assets (YTD, annualized)

-1.38%-46 bps YoY

Net Interest Margin (YTD, annualized)

2.26%-5 bps YoY

Efficiency Ratio (YTD, annualized)

157.19%+1,989 bps YoY

Net Worth / Assets

16.20%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.27%-0.64%-0.77%-0.91%-1.03%-1.29%-1.32%-1.38%-46 bps
Return on Equity-1.66%-4.03%-5.02%-5.89%-5.88%-7.21%-7.75%-8.50%-261 bps
Net Interest Margin2.66%2.30%2.26%2.31%2.64%2.31%2.36%2.26%-5 bps
Efficiency Ratio115.05%126.63%132.47%137.30%136.66%152.51%153.04%157.19%+1,989 bps
Growth
Asset Growth (YoY)15.95%30.42%29.36%21.10%-12.29%-17.10%-16.60%-11.31%-3,241 bps
Loan Growth (YoY)-40.75%-25.64%-33.96%-20.46%-25.30%-15.82%-10.99%-12.35%+810 bps
Share Growth (YoY)21.28%39.53%38.08%27.02%-13.68%-19.21%-18.45%-11.82%-3,883 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.80%0.83%0.80%+80 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.28%0.37%0.10%0.15%0.21%0.21%0.22%0.21%+7 bps
Capital
Risk-Based Capital16.20%15.82%15.30%15.50%17.45%17.88%17.10%16.20%+70 bps
Net Worth / Assets16.20%15.82%15.30%15.50%17.45%17.88%17.10%16.20%+70 bps
Liquidity & Funding
Loans / Shares33.05%28.47%25.54%27.62%28.60%29.67%27.87%27.45%-17 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps