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Letter portraitLegal landscapeQuarterYTD

Bank Star of the Leadbelt

Park Hills, MO · Cert 16107

FDIC

Q4 2012

$108.0MAssets
$69.1MLoans
$95.3MDeposits
$9.3MEquity
Loan mix
93%RE $62.1M3%C&I $2.0M4%Consumer $2.7MQ4 2011Q4 2012
Deposit mix
83%Interest-bearing $78.9M17%Noninterest $16.4MQ4 2011Q4 2012

NIM

5.33%Q4 ’104.94%Q4 ’114.26%Q4 ’12+1%-12%

Non-interest income vs. expense

3.79%Q4 ’104.04%Q4 ’114.14%Q4 ’12+10%+9%

Executive Summary

  • Earnings: ROA of -0.09%, down 10 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.45%.
  • Funding: loans stand at 72.56% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.09%-10 bps YoY

Net Interest Margin (YTD, annualized)

3.64%-48 bps YoY

Efficiency Ratio (YTD, annualized)

87.79%+1,241 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.01%0.01%10.18%0.13%-0.09%-10 bps
Return on Equity0.12%0.13%2.11%1.56%-1.04%-116 bps
Net Interest Margin4.12%3.72%3.62%3.60%3.64%-48 bps
Efficiency Ratio75.38%77.70%78.85%79.93%87.79%+1,241 bps
Non-Interest Burden2.80%2.65%2.62%2.65%3.06%+26 bps
Growth
Asset Growth (YoY)-0.10%1.90%4.70%1.60%-3.94%-384 bps
Loan Growth (YoY)-7.08%-9.28%-11.83%-14.59%-18.15%-1,106 bps
Deposit Growth (YoY)0.70%2.84%4.32%2.60%-3.48%-418 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.34%2.81%1.62%1.62%1.45%+10 bps
Allowance / Loans1.80%1.59%1.73%1.72%1.97%+17 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 Capital14.70%14.83%15.63%16.25%17.50%+280 bps
Equity / Assets8.42%8.23%8.26%8.48%8.65%+23 bps
Liquidity & Funding
Loans / Deposits85.56%81.42%77.29%75.59%72.56%-1,300 bps
Liquid Assets / Assets7.62%9.32%14.38%15.64%19.57%+1,194 bps
CRE / Total Capitaln/an/an/an/an/an/an/a