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Letter portraitLegal landscapeQuarterYTD

State Bank of Lebo, The

Lebo, KS · Cert 15288

FDIC

Q2 2009

$19.2MAssets
$13.1MLoans
$18.3MDeposits
$789KEquity
Deposit mix
72%Interest-bearing $13.3M28%Noninterest $5.0MQ2 2008Q2 2009

NIM

7.82%Q2 ’076.37%Q2 ’084.70%Q2 ’09-55%+30%

Non-interest income vs. expense

2.79%Q2 ’074.15%Q2 ’086.54%Q2 ’09+57%+56%

Executive Summary

  • Earnings: ROA of -3.93%, up 160 bps year over year; NIM at 2.80%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 6.13%.
  • Funding: loans stand at 71.64% of deposits as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-3.93%+160 bps YoY

Net Interest Margin (YTD, annualized)

2.80%+64 bps YoY

Efficiency Ratio (YTD, annualized)

209%+3,013 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-5.53%-4.29%-3.95%-6.70%-3.93%+160 bps
Return on Equity-83.22%-66.50%-63.07%-140.89%-86.27%-306 bps
Net Interest Margin2.15%2.84%2.90%2.28%2.80%+64 bps
Efficiency Ratio178.53%144.89%144.28%174.10%209%+3,013 bps
Non-Interest Burden3.98%4.19%4.26%4.13%6.20%+222 bps
Growth
Asset Growth (YoY)-11.53%-16.53%-16.29%-28.78%-24.47%-1,294 bps
Loan Growth (YoY)-26.69%-33.46%-38.12%-38.99%-29.26%-257 bps
Deposit Growth (YoY)12.70%-2.47%-7.06%-23.43%-23.25%-3,595 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.51%1.44%3.05%11.05%6.13%+462 bps
Allowance / Loans3.29%3.99%3.38%2.79%1.10%-219 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 Capital9.25%9.50%9.38%7.23%7.22%-203 bps
Equity / Assets5.68%5.80%5.42%4.03%4.10%-158 bps
Liquidity & Funding
Loans / Deposits77.73%82.44%73.43%74.97%71.64%-609 bps
Liquid Assets / Assets5.88%5.47%5.15%5.16%0.00%-588 bps
CRE / Total Capitaln/an/an/an/an/an/an/a