Bank Star of the Bootheel

Steele, MO · Cert 10629

FDIC · 2 branches

Q3 2015

$98.3MAssets

$79.5MLoans

$78.5MDeposits

$9.1MEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of 0.74%, down 34 bps year over year; NIM at 4.13%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.21%.

Return on Assets (YTD, annualized)

0.74%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+17 bps YoY

Efficiency Ratio (YTD, annualized)

73.61%+225 bps YoY

Tier 1 Leverage Ratio

9.20%

Year to date, annualized, through each quarter.

Metric	Q3 2014	Q4 2014	Q1 2015	Q2 2015	Q3 2015	YoY Δ	Trend
Earnings
Return on Assets	1.08%	1.01%	0.62%	0.74%	0.74%	-34 bps
Return on Equity	12.81%	11.73%	6.56%	7.92%	7.92%	-489 bps
Net Interest Margin	3.97%	4.17%	4.21%	4.18%	4.13%	+17 bps
Efficiency Ratio	71.36%	72.37%	78.49%	75.11%	73.61%	+225 bps
Non-Interest Burden	2.58%	2.77%	3.11%	2.91%	2.81%	+22 bps
Growth
Asset Growth (YoY)	1.92%	-4.84%	-3.50%	-5.73%	-10.00%	-1,191 bps
Loan Growth (YoY)	2.75%	2.61%	4.59%	-2.05%	-5.02%	-777 bps
Deposit Growth (YoY)	-1.13%	-6.17%	-4.16%	-5.00%	-9.64%	-850 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	0.20%	0.24%	0.05%	0.27%	0.21%	+1 bps
Allowance / Loans	1.04%	1.23%	1.22%	1.07%	1.04%	0 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	9.33%	9.34%	9.20%	n/a
Total Risk-Based Capital	13.22%	15.51%	14.96%	14.64%	14.29%	+107 bps
Equity / Assets	8.15%	9.63%	9.31%	9.09%	9.28%	+114 bps
Liquidity & Funding
Loans / Deposits	96.35%	83.69%	85.96%	93.74%	101.28%	+493 bps
Liquid Assets / Assets	0.11%	1.31%	1.29%	1.17%	3.12%	+302 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a