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Goodman State Bank

Goodman, MO · Cert 12449

FDIC

Q2 2008

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Goodman State Bank

Goodman, MO · Cert 12449

FDIC

Q2 2008

$15.8MAssets
$7.4MLoans
$12.5MDeposits
$3.1MEquity
Deposit mix
72%Interest-bearing $9.1M28%Noninterest $3.5MQ2 2007Q2 2008

NIM

6.09%Q2 ’067.12%Q2 ’071.57%Q2 ’08+18%-75%

Non-interest income vs. expense

4.66%Q2 ’065.45%Q2 ’071.31%Q2 ’08+15%-76%

Executive Summary

  • Earnings: ROA of 0.12%, down 18 bps year over year; NIM at 1.28%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 59.15% of deposits as of Q2 2008.

Financial Results

Return on Assets (YTD, annualized)

0.12%-18 bps YoY

Net Interest Margin (YTD, annualized)

1.28%-381 bps YoY

Efficiency Ratio (YTD, annualized)

88.35%-538 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2007Q3 2007Q4 2007Q1 2008Q2 2008YoY ΔTrend
Earnings
Return on Assets0.30%0.40%0.42%0.56%0.12%-18 bps
Return on Equity2.82%3.64%3.92%5.19%0.88%-194 bps
Net Interest Margin5.09%5.03%4.83%5.23%1.28%-381 bps
Efficiency Ratio93.73%91.96%91.33%89.20%88.35%-538 bps
Non-Interest Burden4.73%4.57%4.35%4.59%1.14%-359 bps
Growth
Asset Growth (YoY)-5.89%-7.90%7.10%1.52%11.65%+1,754 bps
Loan Growth (YoY)-3.34%-3.74%-5.28%-6.46%-8.80%-546 bps
Deposit Growth (YoY)-6.86%-9.06%7.69%1.24%-0.21%+665 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.47%0.46%0.60%-0.20%0.00%-47 bps
Allowance / Loans3.33%3.12%2.93%3.03%0.00%-333 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 Capital24.78%25.00%23.72%25.35%30.68%+589 bps
Equity / Assets10.56%11.20%10.40%11.37%19.53%+897 bps
Liquidity & Funding
Loans / Deposits64.72%69.38%63.20%66.84%59.15%-557 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a