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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

5.50%Q4 ’084.96%Q4 ’094.50%Q4 ’10+3%-2%

Non-interest income vs. expense

2.89%Q4 ’083.01%Q4 ’092.86%Q4 ’10+8%-6%

Executive Summary

  • Earnings: ROA of -2.39%, down 333 bps year over year; NIM at 3.56%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.33%.
  • Funding: loans stand at 63.61% of deposits as of Q4 2010.

Financial Results

Return on Assets (quarter, annualized)

-2.39%-333 bps YoY

Net Interest Margin (quarter, annualized)

3.56%-6 bps YoY

Efficiency Ratio (quarter, annualized)

70.89%-255 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2009Q1 2010Q2 2010Q3 2010Q4 2010YoY ΔTrend
Earnings
Return on Assets0.93%0.90%0.45%1.11%-2.39%-333 bps
Return on Equity9.46%9.57%4.76%11.61%-26.01%-3,547 bps
Net Interest Margin3.62%3.48%3.55%3.57%3.56%-6 bps
Efficiency Ratio73.44%73.56%66.08%70.24%70.89%-255 bps
Non-Interest Burden2.53%2.45%2.21%2.38%2.38%-14 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 / Loans0.08%0.07%0.01%0.01%3.33%+325 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