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United Bank of Kansas

Whiting, KS · Cert 17104

FDIC

Q3 2012

$117.1MAssets
$75.7MLoans
$101.3MDeposits
$10.5MEquity
Loan mix
72%RE $44.5M27%C&I $16.9M1%Consumer $0.6MQ3 2011Q3 2012
Deposit mix
76%Interest-bearing $77.4M24%Noninterest $23.8MQ3 2011Q3 2012

NIM

4.59%Q3 ’104.31%Q3 ’113.75%Q3 ’12+2%-8%

Non-interest income vs. expense

2.96%Q3 ’102.72%Q3 ’112.60%Q3 ’12+29%-6%

Executive Summary

  • Earnings: ROA of 0.43%, down 1 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Funding: loans stand at 74.78% of deposits as of Q3 2012.

Financial Results

Return on Assets (YTD, annualized)

0.43%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.10%-27 bps YoY

Efficiency Ratio (YTD, annualized)

73.74%+163 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 Assets0.45%0.44%0.38%0.43%0.43%-1 bps
Return on Equity4.51%4.48%4.03%4.63%4.70%+19 bps
Net Interest Margin3.37%3.22%3.04%3.09%3.10%-27 bps
Efficiency Ratio72.11%72.95%75.47%73.52%73.74%+163 bps
Non-Interest Burden2.40%2.33%2.27%2.24%2.25%-15 bps
Growth
Asset Growth (YoY)4.83%8.93%10.45%8.50%11.69%+686 bps
Loan Growth (YoY)-10.90%-9.01%-4.06%-4.96%6.46%+1,736 bps
Deposit Growth (YoY)5.76%10.23%12.08%9.78%13.32%+755 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.81%0.57%0.00%0.13%0.08%-73 bps
Allowance / Loans1.26%1.20%1.26%1.36%1.39%+13 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 Capital13.13%12.43%12.33%12.69%12.57%-56 bps
Equity / Assets9.82%9.53%9.19%9.09%8.97%-86 bps
Liquidity & Funding
Loans / Deposits79.60%83.14%79.95%74.61%74.78%-482 bps
Liquid Assets / Assets18.23%17.11%16.68%21.80%21.76%+353 bps
CRE / Total Capitaln/an/an/an/an/an/an/a