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 -1.11%, down 189 bps year over year; NIM at -1.74%.
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 (quarter, annualized)

-1.11%-189 bps YoY

Net Interest Margin (quarter, annualized)

-1.74%-460 bps YoY

Efficiency Ratio (quarter, annualized)

175.37%+10,869 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

Metric	Q2 2005	Q3 2005	Q4 2005	Q1 2006	Q2 2006	YoY Δ	Trend
Earnings
Return on Assets	0.78%	0.77%	0.76%	0.97%	-1.11%	-189 bps
Return on Equity	10.79%	10.34%	10.39%	13.73%	-8.84%	-1,963 bps
Net Interest Margin	2.87%	2.76%	2.70%	2.70%	-1.74%	-460 bps
Efficiency Ratio	66.68%	66.38%	61.17%	55.75%	175.37%	+10,869 bps
Non-Interest Burden	1.77%	1.70%	1.51%	1.25%	0.35%	-143 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	0.00%	0.00%	0.00%	0.00%	0.00%	0 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