Mountain Home, AR · Cert 5622
FDIC
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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 Home, AR · Cert 5622
FDIC
Q3 2007
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.30% | 1.30% | 1.28% | 1.26% | 1.27% | 1.30% | 1.34% | +6 bps | |
| Return on Equity | 16.45% | 16.68% | 16.80% | 16.48% | 16.10% | 15.55% | 16.03% | 16.51% | +2 bps | |
| Net Interest Margin | 3.02% | 2.95% | 2.99% | 3.04% | 3.11% | 3.09% | 3.09% | 3.11% | +7 bps | |
| Efficiency Ratio | 55.02% | 55.71% | 56.39% | 57.57% | 58.63% | 56.39% | 56.05% | 54.64% | -294 bps | |
| Non-Interest Burden | 1.45% | 1.45% | 1.47% | 1.54% | 1.61% | 1.51% | 1.50% | 1.44% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.51% | 6.30% | 2.73% | 0.37% | -0.61% | 0.82% | 1.47% | 1.46% | +109 bps | |
| Loan Growth (YoY) | 3.97% | 6.72% | 13.01% | 12.87% | 11.62% | 5.91% | 3.12% | 0.53% | -1,234 bps | |
| Deposit Growth (YoY) | 3.11% | 5.62% | 0.76% | -2.91% | -0.75% | 1.40% | 2.77% | 3.18% | +609 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.07% | 0.03% | 0.06% | 0.06% | 0.06% | 0.79% | 0.38% | 0.27% | +21 bps | |
| Allowance / Loans | 1.68% | 1.60% | 1.50% | 1.46% | 1.44% | 1.26% | 1.23% | 1.23% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 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 | n/a | n/a | n/a |
| Total Risk-Based Capital | 14.55% | 14.36% | 14.12% | 14.11% | 14.31% | 14.41% | 13.97% | 14.42% | +31 bps | |
| Equity / Assets | 7.75% | 7.80% | 7.65% | 7.85% | 8.20% | 8.14% | 7.98% | 8.18% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 60.24% | 61.66% | 66.18% | 67.65% | 67.74% | 64.40% | 66.40% | 65.91% | -174 bps | |
| Liquid Assets / Assets | 0.24% | 0.12% | 0.09% | 0.07% | 0.11% | 0.15% | 0.15% | 0.17% | +10 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |