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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

5.18%Q4 ’104.87%Q4 ’113.94%Q4 ’12-2%-17%

Non-interest income vs. expense

4.01%Q4 ’104.08%Q4 ’114.86%Q4 ’12+5%+39%

Executive Summary

  • Earnings: ROA of -0.76%, down 5 bps year over year; NIM at 3.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.46%.
  • Funding: loans stand at 72.56% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

-0.76%-5 bps YoY

Net Interest Margin (quarter, annualized)

3.40%-69 bps YoY

Efficiency Ratio (quarter, annualized)

114.94%+3,757 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.71%0.01%10.34%0.04%-0.76%-5 bps
Return on Equity-8.23%0.13%4.10%0.46%-8.84%-61 bps
Net Interest Margin4.09%3.72%3.59%3.51%3.40%-69 bps
Efficiency Ratio77.36%77.70%79.99%82.15%114.94%+3,757 bps
Non-Interest Burden2.90%2.65%2.65%2.68%4.03%+114 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 / Loans2.85%2.81%0.32%1.49%0.46%-239 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