Admire Bank

Emporia, KS · Cert 10922

FDIC

Q3 2001

$25.8MAssets

$10.0MLoans

$23.5MDeposits

$2.2MEquity

Loan mix

Deposit mix

Executive Summary

Earnings: ROA of -2.41%, down 214 bps year over year; NIM at -4.83%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.16%.
Funding: loans stand at 42.51% of deposits as of Q3 2001.

Return on Assets (quarter, annualized)

-2.41%-214 bps YoY

Net Interest Margin (quarter, annualized)

-4.83%

Efficiency Ratio (quarter, annualized)

126.32%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q4 1999	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	YoY Δ	Trend
Earnings
Return on Assets	1.33%	1.43%	-1.06%	-0.27%	-1.08%	0.37%	-0.92%	-2.41%	-214 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	-12.75%	-30.64%	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	3.96%	3.17%	-4.83%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	87.70%	134.13%	126.32%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	n/a	3.39%	4.48%	-4.93%	n/a
Growth
Asset Growth (YoY)	4.95%	7.90%	5.14%	0.18%	3.88%	2.04%	0.22%	24.88%	+2,470 bps
Loan Growth (YoY)	14.34%	23.42%	15.61%	7.14%	1.60%	-13.65%	-19.24%	-26.64%	-3,378 bps
Deposit Growth (YoY)	0.48%	-0.25%	3.50%	4.48%	10.81%	11.79%	5.43%	24.39%	+1,991 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	n/a	n/a	n/a	n/a	n/a	0.00%	-0.07%	0.16%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	n/a	4.34%	4.57%	5.16%	n/a
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	n/a	n/a	n/a	n/a	n/a	12.17%	12.95%	15.18%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	n/a	7.25%	7.25%	8.37%	n/a
Liquidity & Funding
Loans / Deposits	72.49%	76.52%	74.85%	72.09%	66.46%	59.10%	57.33%	42.51%	-2,958 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	0.00%	4.23%	3.87%	7.05%	+705 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a