PackageTrendsPeer
Letter portraitLegal landscape

Community Bank of the Ozarks

Sunrise Beach, MO · Cert 27331

FDIC

Q3 2012

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 2012, the quarter ended September 30, 2012, 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

Community Bank of the Ozarks

Sunrise Beach, MO · Cert 27331

FDIC

Q3 2012

$42.8MAssets
$27.5MLoans
$41.9MDeposits
$726KEquity
Loan mix
86%RE $22.2M9%C&I $2.4M4%Consumer $1.1MQ3 2011Q3 2012
Deposit mix
90%Interest-bearing $37.6M10%Noninterest $4.3MQ3 2011Q3 2012

NIM

5.28%Q3 ’104.12%Q3 ’113.98%Q3 ’12-20%+9%

Non-interest income vs. expense

5.79%Q3 ’104.70%Q3 ’116.07%Q3 ’12-12%+55%

Executive Summary

  • Earnings: ROA of -4.33%, down 185 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.04%.
  • Funding: loans stand at 65.68% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

-4.33%-185 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+26 bps YoY

Efficiency Ratio (YTD, annualized)

244%+9,901 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets-2.48%-2.18%-8.82%-4.77%-4.33%-185 bps
Return on Equity-47.38%-43.01%-274%-165.72%-166.44%-11,906 bps
Net Interest Margin2.90%3.18%2.62%2.99%3.16%+26 bps
Efficiency Ratio144.51%139.06%302%192.29%244%+9,901 bps
Non-Interest Burden4.34%4.60%8.81%6.54%6.73%+239 bps
Growth
Asset Growth (YoY)-13.36%-17.26%-19.33%-22.87%-19.94%-657 bps
Loan Growth (YoY)-24.18%-20.58%-13.48%-9.43%-11.47%+1,271 bps
Deposit Growth (YoY)-7.05%-12.71%-13.23%-17.46%-17.63%-1,058 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.06%1.68%3.05%1.54%1.04%-101 bps
Allowance / Loans4.37%4.71%5.11%5.20%5.49%+112 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 Capital6.13%5.95%3.64%3.59%3.14%-299 bps
Equity / Assets4.47%4.28%2.12%2.13%1.70%-278 bps
Liquidity & Funding
Loans / Deposits61.11%62.97%62.61%65.85%65.68%+457 bps
Liquid Assets / Assets7.85%4.15%8.21%3.53%3.50%-436 bps
CRE / Total Capitaln/an/an/an/an/an/an/a