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Security Bank and Trust Company

Scott City, MO · Cert 10620

FDIC

Q3 2012

$79.5MAssets
$46.2MLoans
$71.6MDeposits
$6.8MEquity
Loan mix
86%RE $38.5M4%C&I $1.8M10%Consumer $4.4MQ3 2011Q3 2012
Deposit mix
80%Interest-bearing $57.2M20%Noninterest $14.4MQ3 2011Q3 2012

NIM

4.63%Q3 ’104.17%Q3 ’113.89%Q3 ’12-4%-5%

Non-interest income vs. expense

3.31%Q3 ’103.18%Q3 ’112.95%Q3 ’12+6%-16%

Executive Summary

  • Earnings: ROA of 1.03%, up 26 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 64.54% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

1.03%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.30%-18 bps YoY

Efficiency Ratio (YTD, annualized)

73.59%-601 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 Assets0.77%0.80%0.87%0.98%1.03%+26 bps
Return on Equity8.85%9.16%10.38%11.67%12.26%+341 bps
Net Interest Margin3.48%3.36%3.27%3.22%3.30%-18 bps
Efficiency Ratio79.60%79.39%73.62%75.72%73.59%-601 bps
Non-Interest Burden2.66%2.55%2.24%2.27%2.24%-42 bps
Growth
Asset Growth (YoY)8.19%11.57%12.14%8.05%3.00%-519 bps
Loan Growth (YoY)-2.75%1.16%2.14%3.70%3.28%+603 bps
Deposit Growth (YoY)10.20%12.28%12.87%8.32%3.06%-714 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.11%0.09%0.12%0.04%-0.01%-12 bps
Allowance / Loans0.92%0.90%0.95%0.95%1.01%+10 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 Capital16.25%16.06%16.11%16.04%16.08%-16 bps
Equity / Assets8.56%8.51%8.27%8.39%8.55%-2 bps
Liquidity & Funding
Loans / Deposits64.41%64.45%60.66%63.53%64.54%+13 bps
Liquid Assets / Assets8.95%6.66%10.66%11.94%9.16%+21 bps
CRE / Total Capitaln/an/an/an/an/an/an/a