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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

5.06%Q3 ’034.71%Q3 ’044.51%Q3 ’05-6%-24%

Non-interest income vs. expense

2.45%Q3 ’032.27%Q3 ’044.61%Q3 ’05-7%+108%

Executive Summary

  • Earnings: ROA of -1.63%, down 681 bps year over year; NIM at 2.76%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 33.35% of deposits as of Q3 2005.

Financial Results

Return on Assets (quarter, annualized)

-1.63%-681 bps YoY

Net Interest Margin (quarter, annualized)

2.76%-89 bps YoY

Efficiency Ratio (quarter, annualized)

152.63%+9,340 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005YoY ΔTrend
Earnings
Return on Assets5.18%-0.29%0.84%0.82%-1.63%-681 bps
Return on Equity52.01%-2.87%8.35%7.77%-15.19%-6,719 bps
Net Interest Margin3.65%2.92%2.86%2.92%2.76%-89 bps
Efficiency Ratio59.23%108.26%71.84%80.41%152.63%+9,340 bps
Non-Interest Burden2.09%3.17%1.98%2.31%4.35%+226 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 / Loans0.00%0.00%0.00%-0.84%0.00%0 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