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Bank of Freeburg

Freeburg, MO · Cert 12461

FDIC

Q3 2006

$36.8MAssets
$20.8MLoans
$31.4MDeposits
$5.2MEquity
Deposit mix
78%Interest-bearing $24.4M22%Noninterest $7.0MQ3 2005Q3 2006

NIM

4.25%Q3 ’044.66%Q3 ’055.46%Q3 ’06-2%+11%

Non-interest income vs. expense

1.75%Q3 ’041.54%Q3 ’052.41%Q3 ’06-25%+62%

Executive Summary

  • Earnings: ROA of 0.73%, down 34 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 66.28% of deposits as of Q3 2006.

Financial Results

Return on Assets (quarter, annualized)

0.73%-34 bps YoY

Net Interest Margin (quarter, annualized)

3.36%+34 bps YoY

Efficiency Ratio (quarter, annualized)

67.78%+1,962 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006YoY ΔTrend
Earnings
Return on Assets1.07%1.07%1.07%0.76%0.73%-34 bps
Return on Equity8.08%7.96%7.85%5.53%5.23%-286 bps
Net Interest Margin3.02%3.18%3.19%3.23%3.36%+34 bps
Efficiency Ratio48.16%54.60%49.84%64.10%67.78%+1,962 bps
Non-Interest Burden1.37%1.66%1.50%2.01%2.22%+85 bps
Growth
Asset Growth (YoY)1.84%0.65%-2.47%0.12%-2.09%-393 bps
Loan Growth (YoY)-2.41%1.19%5.24%9.05%12.48%+1,489 bps
Deposit Growth (YoY)1.29%-0.20%-3.80%-0.59%-3.09%-438 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.02%0.00%0.06%0.00%0 bps
Allowance / Loans0.94%0.91%0.87%0.83%0.81%-12 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 Capital30.66%29.77%30.17%28.94%28.75%-190 bps
Equity / Assets13.42%13.35%13.86%13.72%14.21%+80 bps
Liquidity & Funding
Loans / Deposits57.11%58.74%62.84%62.93%66.28%+918 bps
Liquid Assets / Assets37.71%41.09%40.09%34.61%30.12%-759 bps
CRE / Total Capitaln/an/an/an/an/an/an/a