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Bank of McLouth, The

McLouth, KS · Cert 15363

FDIC

Q2 2011

$37.8MAssets
$21.8MLoans
$34.1MDeposits
$3.6MEquity
Loan mix
68%RE $13.3M18%C&I $3.5M14%Consumer $2.8MQ2 2010Q2 2011
Deposit mix
82%Interest-bearing $28.0M18%Noninterest $6.1MQ2 2010Q2 2011

NIM

5.26%Q2 ’094.64%Q2 ’103.79%Q2 ’11-6%-20%

Non-interest income vs. expense

2.80%Q2 ’092.34%Q2 ’101.83%Q2 ’11-12%-27%

Executive Summary

  • Earnings: ROA of 1.49%, up 35 bps year over year; NIM at 3.12%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.13%.
  • Funding: loans stand at 64.01% of deposits as of Q2 2011.

Financial Results

Return on Assets (quarter, annualized)

1.49%+35 bps YoY

Net Interest Margin (quarter, annualized)

3.12%-79 bps YoY

Efficiency Ratio (quarter, annualized)

49.13%-651 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2010Q3 2010Q4 2010Q1 2011Q2 2011YoY ΔTrend
Earnings
Return on Assets1.15%1.36%-5.71%1.23%1.49%+35 bps
Return on Equity5.97%7.00%-41.00%15.07%16.82%+1,085 bps
Net Interest Margin3.92%4.09%-10.63%2.86%3.12%-79 bps
Efficiency Ratio55.64%54.48%67.39%51.77%49.13%-651 bps
Non-Interest Burden2.05%2.07%-5.43%1.47%1.49%-56 bps
Growth
Asset Growth (YoY)4.19%4.85%4.05%3.71%-3.51%-770 bps
Loan Growth (YoY)0.96%-2.96%-4.74%-4.96%-7.19%-815 bps
Deposit Growth (YoY)4.85%5.15%18.71%18.34%8.69%+384 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.78%-0.12%-0.62%-0.15%-0.13%-91 bps
Allowance / Loans1.80%1.93%1.22%1.32%1.38%-42 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 Capital24.32%25.21%11.87%12.43%13.00%-1,132 bps
Equity / Assets19.20%19.58%8.19%8.18%9.63%-957 bps
Liquidity & Funding
Loans / Deposits74.97%73.07%60.72%57.70%64.01%-1,096 bps
Liquid Assets / Assets0.63%0.62%0.63%0.61%0.65%+2 bps
CRE / Total Capitaln/an/an/an/an/an/an/a