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Emprise Bank

Iola, KS · Cert 14463

FDIC

Q1 2005

$90.8MAssets
$73.1MLoans
$79.3MDeposits
$10.7MEquity
Deposit mix
87%Interest-bearing $69.0M13%Noninterest $10.3MQ1 2004Q1 2005

NIM

5.26%Q1 ’034.48%Q1 ’044.92%Q1 ’05-14%+17%

Non-interest income vs. expense

3.56%Q1 ’033.18%Q1 ’042.86%Q1 ’05-11%-28%

Executive Summary

  • Earnings: ROA of 2.21%, up 127 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.05%.
  • Funding: loans stand at 92.27% of deposits as of Q1 2005.

Financial Results

Return on Assets (quarter, annualized)

2.21%+127 bps YoY

Net Interest Margin (quarter, annualized)

4.14%+61 bps YoY

Efficiency Ratio (quarter, annualized)

54.20%-2,051 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005YoY ΔTrend
Earnings
Return on Assets0.93%0.96%1.45%1.35%2.21%+127 bps
Return on Equity8.57%9.00%13.55%12.63%19.88%+1,131 bps
Net Interest Margin3.53%3.55%3.62%3.98%4.14%+61 bps
Efficiency Ratio74.71%74.70%65.55%70.74%54.20%-2,051 bps
Non-Interest Burden2.52%2.52%2.07%2.57%1.82%-71 bps
Growth
Asset Growth (YoY)50.90%-16.86%1.99%7.40%-2.12%-5,302 bps
Loan Growth (YoY)32.51%-3.87%10.45%11.94%4.95%-2,756 bps
Deposit Growth (YoY)49.25%-21.61%0.34%3.94%-1.87%-5,112 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.07%-0.01%0.03%0.32%0.05%-2 bps
Allowance / Loans1.15%1.10%1.10%0.98%1.01%-14 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 Capital12.09%11.74%12.05%11.21%12.62%+53 bps
Equity / Assets10.73%10.60%10.87%10.50%11.74%+100 bps
Liquidity & Funding
Loans / Deposits86.26%93.26%92.41%92.41%92.27%+600 bps
Liquid Assets / Assets0.03%0.07%0.06%0.05%0.05%+1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a