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Bay-Hermann-Berger Bank

Hermann, MO · Cert 18127

FDIC

Q4 2010

$45.1MAssets
$26.2MLoans
$41.2MDeposits
$3.9MEquity
Deposit mix
83%Interest-bearing $34.0M17%Noninterest $7.1MQ4 2009Q4 2010

NIM

5.94%Q4 ’085.04%Q4 ’094.53%Q4 ’10+9%-3%

Non-interest income vs. expense

2.96%Q4 ’083.10%Q4 ’092.73%Q4 ’10+10%-12%

Executive Summary

  • Earnings: ROA of 0.01%, down 91 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.86%.
  • Funding: loans stand at 63.61% of deposits as of Q4 2010.

Financial Results

Return on Assets (YTD, annualized)

0.01%-91 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-12 bps YoY

Efficiency Ratio (YTD, annualized)

70.16%-598 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.92%0.90%0.67%0.82%0.01%-91 bps
Return on Equity9.89%9.57%7.15%8.64%0.12%-977 bps
Net Interest Margin3.59%3.48%3.47%3.47%3.46%-12 bps
Efficiency Ratio76.14%73.56%69.74%69.91%70.16%-598 bps
Non-Interest Burden2.61%2.45%2.29%2.30%2.30%-31 bps
Growth
Asset Growth (YoY)3.94%6.21%10.77%13.74%1.44%-250 bps
Loan Growth (YoY)2.44%3.74%-3.20%-2.64%-9.21%-1,165 bps
Deposit Growth (YoY)7.84%11.46%12.73%14.49%2.53%-530 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%0.07%0.04%0.03%0.86%+84 bps
Allowance / Loans1.01%1.01%1.39%1.41%2.27%+126 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 Capital14.65%14.41%15.13%15.69%15.81%+116 bps
Equity / Assets9.40%9.33%9.40%9.74%8.65%-75 bps
Liquidity & Funding
Loans / Deposits71.83%71.77%68.70%67.10%63.61%-823 bps
Liquid Assets / Assets8.36%7.95%7.08%7.56%3.80%-456 bps
CRE / Total Capitaln/an/an/an/an/an/an/a