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Letter portraitLegal landscapeQuarterYTD

Peoples State Bank, of Minneola, Kansas, The

Minneola, KS · Cert 10923

FDIC

Q3 2005

$12.3MAssets
$3.7MLoans
$11.0MDeposits
$1.3MEquity
Deposit mix
83%Interest-bearing $9.1M17%Noninterest $1.9MQ3 2004Q3 2005

NIM

5.02%Q3 ’034.75%Q3 ’044.47%Q3 ’05-1%-23%

Non-interest income vs. expense

2.46%Q3 ’032.22%Q3 ’043.14%Q3 ’05-9%+44%

Executive Summary

  • Earnings: ROA of 0.04%, down 295 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.29%.
  • Funding: loans stand at 33.35% of deposits as of Q3 2005.

Financial Results

Return on Assets (YTD, annualized)

0.04%-295 bps YoY

Net Interest Margin (YTD, annualized)

2.89%-88 bps YoY

Efficiency Ratio (YTD, annualized)

100.68%+4,474 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets2.99%2.16%0.84%0.83%0.04%-295 bps
Return on Equity30.15%21.77%8.35%8.05%0.40%-2,975 bps
Net Interest Margin3.77%3.45%2.86%2.98%2.89%-88 bps
Efficiency Ratio55.94%67.06%71.84%76.00%100.68%+4,474 bps
Non-Interest Burden2.02%2.25%1.98%2.21%2.91%+89 bps
Growth
Asset Growth (YoY)9.74%7.78%-1.03%-11.23%-9.90%-1,964 bps
Loan Growth (YoY)-4.32%3.03%-11.82%0.00%-5.14%-82 bps
Deposit Growth (YoY)9.73%7.85%-1.54%-12.75%-9.99%-1,972 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.69%-0.54%0.00%-0.42%-0.29%+40 bps
Allowance / Loans0.75%0.78%0.88%0.76%0.79%+4 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 Capital20.00%19.43%21.63%20.80%21.07%+107 bps
Equity / Assets10.55%9.84%10.25%10.93%10.52%-3 bps
Liquidity & Funding
Loans / Deposits31.65%30.04%28.29%34.79%33.35%+171 bps
Liquid Assets / Assets62.02%60.05%61.81%62.99%59.72%-230 bps
CRE / Total Capitaln/an/an/an/an/an/an/a