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Home State Bank

Erie, KS · Cert 1875

FDIC

Q2 2010

$26.7MAssets
$10.4MLoans
$24.3MDeposits
$1.9MEquity
Deposit mix
90%Interest-bearing $21.8M10%Noninterest $2.5MQ2 2009Q2 2010

NIM

5.07%Q2 ’084.15%Q2 ’093.12%Q2 ’10-14%-29%

Non-interest income vs. expense

3.26%Q2 ’082.74%Q2 ’092.56%Q2 ’10-12%-3%

Executive Summary

  • Earnings: ROA of 0.33%, down 91 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 43.00% of deposits as of Q2 2010.

Financial Results

Return on Assets (quarter, annualized)

0.33%-91 bps YoY

Net Interest Margin (quarter, annualized)

2.40%-97 bps YoY

Efficiency Ratio (quarter, annualized)

87.11%+1,910 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2009Q3 2009Q4 2009Q1 2010Q2 2010YoY ΔTrend
Earnings
Return on Assets1.25%1.05%0.84%0.82%0.33%-91 bps
Return on Equity15.60%12.24%9.38%10.28%4.71%-1,090 bps
Net Interest Margin3.37%3.55%3.11%2.75%2.40%-97 bps
Efficiency Ratio68.02%73.30%78.70%75.60%87.11%+1,910 bps
Non-Interest Burden2.09%2.45%2.30%1.89%2.03%-6 bps
Growth
Asset Growth (YoY)10.16%6.98%2.40%16.41%21.79%+1,163 bps
Loan Growth (YoY)3.36%6.64%-0.13%-5.08%-1.55%-490 bps
Deposit Growth (YoY)11.16%7.80%2.01%14.26%20.40%+924 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.01%0.98%1.03%1.05%1.03%+2 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 Capital18.24%18.06%19.90%20.07%19.18%+95 bps
Equity / Assets8.11%9.16%8.84%7.24%6.96%-116 bps
Liquidity & Funding
Loans / Deposits52.59%60.57%54.14%43.27%43.00%-959 bps
Liquid Assets / Assets48.49%41.54%47.46%57.98%58.13%+964 bps
CRE / Total Capitaln/an/an/an/an/an/an/a