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Pioneer Bank and Trust Company

Maplewood, MO · Cert 14764

FDIC

Q2 2006

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 2006, the quarter ended June 30, 2006, 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

Pioneer Bank and Trust Company

Maplewood, MO · Cert 14764

FDIC

Q2 2006

$596.1MAssets
$373.1MLoans
$410.8MDeposits
$105.0MEquity
Loan mix
89%RE $98.4M11%C&I $12.6M0%Consumer $0.1MQ2 2005Q2 2006
Deposit mix
88%Interest-bearing $362.3M12%Noninterest $48.5MQ2 2005Q2 2006

NIM

4.32%Q2 ’044.66%Q2 ’051.36%Q2 ’06+1%-87%

Non-interest income vs. expense

2.40%Q2 ’042.16%Q2 ’050.86%Q2 ’06+19%-57%

Executive Summary

  • Earnings: ROA of -0.10%, down 87 bps year over year; NIM at 0.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.83% of deposits as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

-0.10%-87 bps YoY

Net Interest Margin (YTD, annualized)

0.38%-247 bps YoY

Efficiency Ratio (YTD, annualized)

127.81%+6,134 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.77%0.77%0.77%0.97%-0.10%-87 bps
Return on Equity10.69%10.64%10.63%13.73%-0.94%-1,163 bps
Net Interest Margin2.86%2.70%2.69%2.70%0.38%-247 bps
Efficiency Ratio66.47%66.44%65.12%55.75%127.81%+6,134 bps
Non-Interest Burden1.76%1.66%1.62%1.25%0.75%-101 bps
Growth
Asset Growth (YoY)29.83%25.63%18.06%17.11%18.11%-1,172 bps
Loan Growth (YoY)19.69%27.05%30.59%35.02%25.81%+612 bps
Deposit Growth (YoY)29.73%25.60%19.00%22.64%3.41%-2,631 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans0.72%0.67%0.66%0.64%0.51%-21 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 Capital11.78%11.02%10.34%10.04%11.01%-77 bps
Equity / Assets7.42%7.52%7.10%7.07%17.61%+1,019 bps
Liquidity & Funding
Loans / Deposits74.66%81.19%82.77%84.95%90.83%+1,617 bps
Liquid Assets / Assets0.07%0.07%0.07%0.06%0.06%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a