Heartland Bank, National Association

Jewell, KS · Cert 1361

FDIC

Q2 2012

$96.0MAssets

$64.5MLoans

$89.7MDeposits

$971KEquity

Loan mix

Deposit mix

NIM

Earnings: ROA of -4.27%, down 309 bps year over year; NIM at 2.34%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 8.47%.
Funding: loans stand at 71.84% of deposits as of Q2 2012.

Return on Assets (quarter, annualized)

-4.27%-309 bps YoY

Net Interest Margin (quarter, annualized)

2.34%-31 bps YoY

Efficiency Ratio (quarter, annualized)

345%+24,383 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2011	Q3 2011	Q4 2011	Q1 2012	Q2 2012	YoY Δ	Trend
Earnings
Return on Assets	-1.18%	-7.70%	-0.17%	-1.29%	-4.27%	-309 bps
Return on Equity	-29.64%	-265%	-8.57%	-66.42%	-289%	-25,965 bps
Net Interest Margin	2.65%	2.20%	2.17%	2.19%	2.34%	-31 bps
Efficiency Ratio	100.97%	182.92%	107.32%	159.62%	345%	+24,383 bps
Non-Interest Burden	2.68%	5.34%	2.35%	3.61%	6.08%	+340 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 / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	-0.03%	6.84%	-0.06%	-0.09%	8.47%	+850 bps
Allowance / Loans	4.50%	5.60%	5.83%	6.22%	4.83%	+33 bps
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	7.38%	4.89%	4.99%	4.76%	2.94%	-444 bps
Equity / Assets	3.87%	1.94%	2.00%	1.88%	1.01%	-286 bps
Liquidity & Funding
Loans / Deposits	76.71%	63.03%	64.14%	67.36%	71.84%	-487 bps
Liquid Assets / Assets	22.85%	35.13%	34.17%	31.14%	25.87%	+302 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a