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Union Savings Bank, The

Sedalia, MO · Cert 1948

FDIC

Q3 2011

$92.9MAssets
$39.6MLoans
$81.6MDeposits
$11.2MEquity
Loan mix
67%RE $21.2M27%C&I $8.7M6%Consumer $1.8MQ3 2010Q3 2011
Deposit mix
83%Interest-bearing $67.9M17%Noninterest $13.7MQ3 2010Q3 2011

NIM

4.02%Q3 ’093.59%Q3 ’103.37%Q3 ’11+12%+2%

Non-interest income vs. expense

2.76%Q3 ’092.62%Q3 ’104.90%Q3 ’11-8%+97%

Executive Summary

  • Earnings: ROA of -1.36%, down 171 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 48.58% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

-1.36%-171 bps YoY

Net Interest Margin (quarter, annualized)

2.86%+5 bps YoY

Efficiency Ratio (quarter, annualized)

158.95%+7,337 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.35%0.06%0.19%0.24%-1.36%-171 bps
Return on Equity3.02%0.53%1.66%1.99%-11.21%-1,424 bps
Net Interest Margin2.81%2.81%2.78%2.83%2.86%+5 bps
Efficiency Ratio85.58%100.40%89.48%88.81%158.95%+7,337 bps
Non-Interest Burden2.37%2.83%2.46%2.49%4.67%+230 bps
Growth
Asset Growth (YoY)-2.13%-9.98%-5.93%-5.41%-5.51%-338 bps
Loan Growth (YoY)-2.59%-8.11%-8.14%-7.96%-10.09%-751 bps
Deposit Growth (YoY)2.73%-11.17%-6.83%-6.43%-5.81%-854 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.02%-0.03%0.16%0.12%0.00%-2 bps
Allowance / Loans1.66%1.70%1.74%1.78%1.81%+16 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 Capital22.50%22.97%23.45%23.98%23.91%+141 bps
Equity / Assets11.64%11.76%11.67%12.24%12.02%+38 bps
Liquidity & Funding
Loans / Deposits50.89%51.42%49.36%50.09%48.58%-231 bps
Liquid Assets / Assets6.05%7.28%7.49%7.72%7.26%+121 bps
CRE / Total Capitaln/an/an/an/an/an/an/a