Pioneer Bank and Trust Company

Maplewood, MO · Cert 14764

FDIC

Q2 2006

$596.1MAssets

$373.1MLoans

$410.8MDeposits

$105.0MEquity

Loan mix

Deposit mix

NIM

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.

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.

Metric	Q2 2005	Q3 2005	Q4 2005	Q1 2006	Q2 2006	YoY Δ	Trend
Earnings
Return on Assets	0.77%	0.77%	0.77%	0.97%	-0.10%	-87 bps
Return on Equity	10.69%	10.64%	10.63%	13.73%	-0.94%	-1,163 bps
Net Interest Margin	2.86%	2.70%	2.69%	2.70%	0.38%	-247 bps
Efficiency Ratio	66.47%	66.44%	65.12%	55.75%	127.81%	+6,134 bps
Non-Interest Burden	1.76%	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 / Loans	0.00%	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 / Loans	0.72%	0.67%	0.66%	0.64%	0.51%	-21 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	11.78%	11.02%	10.34%	10.04%	11.01%	-77 bps
Equity / Assets	7.42%	7.52%	7.10%	7.07%	17.61%	+1,019 bps
Liquidity & Funding
Loans / Deposits	74.66%	81.19%	82.77%	84.95%	90.83%	+1,617 bps
Liquid Assets / Assets	0.07%	0.07%	0.07%	0.06%	0.06%	-1 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a