Emprise Bank

Potwin, KS · Cert 17212

FDIC

Q4 2001

$13.3MAssets

$11.0MLoans

$11.8MDeposits

$1.3MEquity

Deposit mix

Executive Summary

Earnings: ROA of 0.82%, down 73 bps year over year; NIM at 3.55%.
Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
Funding: loans stand at 92.70% of deposits as of Q4 2001.

Return on Assets (YTD, annualized)

0.82%-73 bps YoY

Net Interest Margin (YTD, annualized)

3.55%

Efficiency Ratio (YTD, annualized)

76.56%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

Metric	Q1 2000	Q2 2000	Q3 2000	Q4 2000	Q1 2001	Q2 2001	Q3 2001	Q4 2001	YoY Δ	Trend
Earnings
Return on Assets	1.65%	1.66%	1.58%	1.56%	1.21%	0.97%	0.73%	0.82%	-73 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	3.84%	3.51%	3.17%	3.55%	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	69.54%	73.31%	77.81%	76.56%	n/a
Non-Interest Burden	n/a	n/a	n/a	n/a	2.60%	2.51%	2.41%	2.65%	n/a
Growth
Asset Growth (YoY)	-2.24%	-6.67%	1.52%	2.18%	4.92%	17.53%	8.85%	-6.81%	-899 bps
Loan Growth (YoY)	-5.18%	-0.09%	2.67%	9.42%	12.33%	13.82%	15.46%	-1.19%	-1,061 bps
Deposit Growth (YoY)	-7.99%	-7.08%	1.81%	1.15%	10.35%	17.09%	7.85%	-5.91%	-706 bps
Asset Quality
Nonperforming Loans / Loans	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	0.00%	0.00%	0.00%	0.00%	n/a
Allowance / Loans	n/a	n/a	n/a	n/a	1.07%	1.13%	1.10%	1.14%	n/a
Allowance Coverage of NPLs	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Capital
Tier 1 Leverage Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Total Risk-Based Capital	n/a	n/a	n/a	n/a	14.13%	15.68%	15.26%	16.36%	n/a
Equity / Assets	n/a	n/a	n/a	n/a	8.37%	8.30%	8.64%	10.08%	n/a
Liquidity & Funding
Loans / Deposits	85.09%	81.52%	78.36%	88.27%	86.63%	79.24%	83.89%	92.70%	+443 bps
Liquid Assets / Assets	0.00%	0.00%	0.00%	0.00%	2.02%	1.98%	2.05%	2.35%	+235 bps
CRE / Total Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a