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Heartland Bank, National Association

Jewell, KS · Cert 1361

FDIC

Q2 2012

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 2012, the quarter ended June 30, 2012, 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

Heartland Bank, National Association

Jewell, KS · Cert 1361

FDIC

Q2 2012

$96.0MAssets
$64.5MLoans
$89.7MDeposits
$971KEquity
Loan mix
80%RE $42.2M19%C&I $10.2M0%Consumer $0.2MQ2 2011Q2 2012
Deposit mix
73%Interest-bearing $65.1M27%Noninterest $24.7MQ2 2011Q2 2012

NIM

4.01%Q2 ’103.86%Q2 ’113.48%Q2 ’12+21%-8%

Non-interest income vs. expense

2.70%Q2 ’103.18%Q2 ’113.71%Q2 ’12+17%+62%

Executive Summary

  • Earnings: ROA of -2.69%, down 111 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 4.19%.
  • Funding: loans stand at 71.84% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

-2.69%-111 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-21 bps YoY

Efficiency Ratio (YTD, annualized)

345%+22,530 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets-1.59%-3.58%-2.76%-1.29%-2.69%-111 bps
Return on Equity-38.38%-99.66%-83.95%-66.42%-161.26%-12,288 bps
Net Interest Margin2.57%2.44%2.46%2.19%2.36%-21 bps
Efficiency Ratio119.50%182.92%159.05%159.62%345%+22,530 bps
Non-Interest Burden3.09%3.83%3.60%3.61%4.99%+190 bps
Growth
Asset Growth (YoY)-15.88%-15.66%-9.90%-16.19%-25.32%-944 bps
Loan Growth (YoY)-21.09%-30.16%-28.85%-28.02%-28.85%-776 bps
Deposit Growth (YoY)-8.99%-10.72%-5.55%-14.81%-24.02%-1,503 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.50%5.05%3.92%-0.09%4.19%+68 bps
Allowance / Loans4.50%5.60%5.83%6.22%4.83%+33 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 Capital7.38%4.89%4.99%4.76%2.94%-444 bps
Equity / Assets3.87%1.94%2.00%1.88%1.01%-286 bps
Liquidity & Funding
Loans / Deposits76.71%63.03%64.14%67.36%71.84%-487 bps
Liquid Assets / Assets22.85%35.13%34.17%31.14%25.87%+302 bps
CRE / Total Capitaln/an/an/an/an/an/an/a