PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Gold Bank

Leawood, KS · Cert 13155

FDIC

Q1 2006

$4.2BAssets
$3.2BLoans
$3.1BDeposits
$372.7MEquity
Loan mix
39%RE $406.0M61%C&I $628.5M0%Consumer $1.1MQ1 2005Q1 2006
Deposit mix
90%Interest-bearing $2.8B10%Noninterest $0.3BQ1 2005Q1 2006

NIM

4.95%Q1 ’045.20%Q1 ’056.27%Q1 ’06-2%+7%

Non-interest income vs. expense

2.24%Q1 ’041.84%Q1 ’052.64%Q1 ’06+265%+50%

Executive Summary

  • Earnings: ROA of -0.08%, down 102 bps year over year; NIM at 3.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.21%.
  • Funding: loans stand at 104.39% of deposits as of Q1 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.08%-102 bps YoY

Net Interest Margin (YTD, annualized)

3.14%+22 bps YoY

Efficiency Ratio (YTD, annualized)

74.53%+1,837 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006YoY ΔTrend
Earnings
Return on Assets0.94%1.82%1.46%1.41%-0.08%-102 bps
Return on Equity10.98%20.40%16.25%15.56%-0.88%-1,186 bps
Net Interest Margin2.92%3.01%3.20%3.13%3.14%+22 bps
Efficiency Ratio56.16%37.84%40.14%40.38%74.53%+1,837 bps
Non-Interest Burden1.51%-0.06%0.38%0.55%2.27%+75 bps
Growth
Asset Growth (YoY)83.35%24.44%-3.88%-3.19%-2.86%-8,621 bps
Loan Growth (YoY)90.71%31.30%4.12%1.72%1.56%-8,915 bps
Deposit Growth (YoY)96.44%22.98%-1.80%-3.39%-2.68%-9,911 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.13%0.10%0.13%0.13%1.21%+107 bps
Allowance / Loans1.01%1.14%1.13%1.12%1.12%+11 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 Capital10.63%12.05%10.93%10.59%10.36%-28 bps
Equity / Assets8.52%9.76%9.27%9.10%8.86%+34 bps
Liquidity & Funding
Loans / Deposits100.03%101.03%100.53%104.01%104.39%+436 bps
Liquid Assets / Assets9.34%9.79%9.69%9.17%9.03%-31 bps
CRE / Total Capitaln/an/an/an/an/an/an/a