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Letter portraitLegal landscapeQuarterYTD

Troy State Bank, The

Troy, KS · Cert 15353

FDIC

Q3 2012

$25.7MAssets
$12.2MLoans
$22.7MDeposits
$2.6MEquity
Loan mix
77%RE $6.5M10%C&I $0.8M13%Consumer $1.1MQ3 2011Q3 2012
Deposit mix
83%Interest-bearing $18.9M17%Noninterest $3.8MQ3 2011Q3 2012

NIM

5.08%Q3 ’104.55%Q3 ’114.06%Q3 ’12-4%-9%

Non-interest income vs. expense

2.97%Q3 ’102.73%Q3 ’112.90%Q3 ’12-6%+8%

Executive Summary

  • Earnings: ROA of 0.49%, down 31 bps year over year; NIM at 3.04%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.27%.
  • Funding: loans stand at 53.82% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.49%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.04%-29 bps YoY

Efficiency Ratio (YTD, annualized)

86.67%+1,211 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.80%0.25%0.71%0.55%0.49%-31 bps
Return on Equity8.06%2.56%7.49%5.80%5.11%-295 bps
Net Interest Margin3.33%3.20%3.02%2.95%3.04%-29 bps
Efficiency Ratio74.55%76.82%79.04%81.94%86.67%+1,211 bps
Non-Interest Burden2.40%2.38%2.32%2.36%2.60%+20 bps
Growth
Asset Growth (YoY)11.11%8.95%4.88%0.99%-3.74%-1,485 bps
Loan Growth (YoY)5.20%1.24%-2.03%-4.99%-15.83%-2,103 bps
Deposit Growth (YoY)11.99%10.23%5.63%1.38%0.49%-1,151 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.20%0.26%-0.03%0.02%0.27%+7 bps
Allowance / Loans1.51%2.16%2.35%2.30%2.33%+82 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 Capital18.55%18.40%19.89%18.89%19.81%+126 bps
Equity / Assets10.01%9.27%9.60%9.74%10.06%+5 bps
Liquidity & Funding
Loans / Deposits64.25%54.66%52.95%55.37%53.82%-1,043 bps
Liquid Assets / Assets0.67%0.64%0.65%0.66%0.66%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a