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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

8.12%Q2 ’075.91%Q2 ’084.98%Q2 ’09-88%+454%

Non-interest income vs. expense

3.13%Q2 ’073.81%Q2 ’088.55%Q2 ’09+24%+119%

Executive Summary

  • Earnings: ROA of -0.89%, up 375 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.70%.
  • Funding: loans stand at 71.64% of deposits as of Q2 2009.

Financial Results

Return on Assets (quarter, annualized)

-0.89%+375 bps YoY

Net Interest Margin (quarter, annualized)

3.22%+264 bps YoY

Efficiency Ratio (quarter, annualized)

233%-31,152 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-4.64%-1.53%-2.88%-6.70%-0.89%+375 bps
Return on Equity-78.36%-26.66%-51.33%-140.89%-21.86%+5,651 bps
Net Interest Margin0.58%3.75%2.88%2.28%3.22%+264 bps
Efficiency Ratio545%100.42%142.37%174.10%233%-31,152 bps
Non-Interest Burden3.69%3.76%4.15%4.13%8.10%+440 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 / Loans2.91%0.96%7.24%11.05%0.70%-221 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